# EDGAR Filing Document

**Accession Number:** 0001946154
**File Stem:** 0001999371-26-006133
**Filing Date:** 2026-3
**Character Count:** 5651626
**Document Hash:** a4382abb87bc0e46842ed1293eb15c96
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-26-006133.hdr.sgml**: 20260317

**ACCESSION NUMBER**: 0001999371-26-006133

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

**PUBLIC DOCUMENT COUNT**: 106

**CONFORMED PERIOD OF REPORT**: 20260317

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

**FILED AS OF DATE**: 20260317

**DATE AS OF CHANGE**: 20260317

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** EFMT Depositor LLC
- **CENTRAL INDEX KEY:** 0001946154

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-06259
- **FILM NUMBER:** 26763594

**BUSINESS ADDRESS:**
- **STREET 1:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880
- **BUSINESS PHONE:** 9174593122

**MAIL ADDRESS:**
- **STREET 1:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** EFMT Depositor LLC
- **CENTRAL INDEX KEY:** 0001946154

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

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

**BUSINESS ADDRESS:**
- **STREET 1:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880
- **BUSINESS PHONE:** 9174593122

**MAIL ADDRESS:**
- **STREET 1:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** EFMT Depositor LLC
- **CENTRAL INDEX KEY:** 0001946154

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

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

**BUSINESS ADDRESS:**
- **STREET 1:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880
- **BUSINESS PHONE:** 9174593122

**MAIL ADDRESS:**
- **STREET 1:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880

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

**<u>EFMT DEPOSITOR LLC</u>**

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

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

Date of Report (Date of earliest event reported) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

Central Index Key Number of depositor: 0001946154

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

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

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

Robert A. Catarella, (203) 409-3596

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

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

Item 1.01 Initial Filing of Rule l5Ga-1 Representations and Warranties Disclosure

Not Applicable

Item 1.02 Periodic Filing of Rule l5Ga-1 Representations and Warranties Disclosure

Not Applicable

Item 1.03 Notice of Termination of Duty to File Reports under Rule l5Ga-1

Not Applicable

**PART II – FINDINGS AND CONCLUSIONS OF THIRD-PARTY DUE DILIGENCE REPORTS**

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

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

**Item 2.02 Findings and Conclusions of a Third-Party Due Diligence Report Obtained by the Underwriter**

Not Applicable

**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.

---

| | |
|:---|:---|
| **EFMT DEPOSITOR LLC** | **EFMT DEPOSITOR LLC** |
| By: | ELLINGTON MANAGEMENT GROUP, L.L.C., as its manager |
|  | /s/ Robert A. Catarella |
|  | Name: Robert A. Catarella<br>Title: Managing Director |

---

Date: March 17, 2026

EXHIBIT INDEX

[99.01 AMC Diligence, LLC ("**AMC**") Narrative](ex99-01.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [AMC Rating Agency Grades Report](ex99-01s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [AMC Exception Grades Report](ex99-01s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [AMC Valuation Summary Report](ex99-01s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [AMC Supplemental Data Report](ex99-01s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [AMC Business Purpose Report](ex99-01s5.htm)

[99.02 Canopy Financial Technology Partners, LLC ("**Canopy**") Narrative](ex99-02.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Canopy Supplemental Data Report](ex99-02s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Canopy Business Purpose Supplement Report](ex99-02s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Canopy Rating Agency Grades Detail Report](ex99-02s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Canopy Rating Agency Grades Summary Report](ex99-02s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [Canopy Valuation Report](ex99-02s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. [Canopy ATR or QM Report](ex99-02s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. [Canopy Data Compare Report](ex99-02s7.htm)

[99.03 Clarifii LLC ("**Clarifii**") Narrative](ex99-03.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Clarifii Valuation Report](ex99-03s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Clarifii Supplemental Data Report](ex99-03s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Clarifii RA Grades Summary Report](ex99-03s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Clarifii RA Grades Detail Report](ex99-03s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [Clarifii Data Compare Report](ex99-03s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. [Clarifii Business Purpose Report](ex99-03s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. [Clarifii ATR or QM Report](ex99-03s7.htm)

[99.04 Clayton Services LLC ("**Clayton**") Narrative](ex99-04.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Clayton Conditions Summary Report](ex99-04s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Clayton Conditions Detail Report](ex99-04s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Clayton Loan Grades Report](ex99-04s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Clayton Standard Upload Report](ex99-04s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [Clayton Valuation Summary Report](ex99-04s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. [Clayton Rating Agency ATR QM Report](ex99-04s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. [Clayton Non ATR QM Report](ex99-04s7.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. [Clayton Loan Level Tape Compare Report](ex99-04s8.htm)

[99.05 Consolidated Analytics, Inc ("**CA**") Narrative](ex99-05.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [CA Data Compare Report](ex99-05s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [CA Due Diligence Standard Report](ex99-05s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [CA Grades Summary Report](ex99-05s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [CA Valuations Report](ex99-05s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [CA Supplemental Report](ex99-05s5.htm)

[99.06 Digital Risk, LLC ("**Digital Risk**") Narrative](ex99-06.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Digital Risk Findings Summary Report](ex99-06s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Digital Risk Findings Exception Report](ex99-06s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Digital Risk Rating Agency Report](ex99-06s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Digital Risk Valuation Report](ex99-06s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [Digital Risk Summary Report](ex99-06s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. [Digital Risk Standard Report](ex99-06s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. [Digital Risk Supplemental Report](ex99-06s7.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. [Digital Risk Non-QM Supplemental Report](ex99-06s8.htm)

[99.07 Evolve Mortgage Services ("**Evolve**") Narrative](ex99-07.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Evolve Rating Agency Grades Report](ex99-07s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Evolve Exception Detail Report](ex99-07s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Evolve Valuation Report](ex99-07s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Evolve Data Compare Report](ex99-07s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [Evolve QM ATR Data Report](ex99-07s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. [Evolve Additional Data Report](ex99-07s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. [Evolve Business Purpose Report](ex99-07s7.htm)

[99.08 Infinity IPS, Inc. ("**Infinity**") Narrative](ex99-08.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Infinity Rating Agency Grade Report](ex99-08s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Infinity Loan Level Exception Report](ex99-08s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Infinity Individual Exception Report](ex99-08s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Infinity Valuation Report](ex99-08s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [Infinity Data Compare](ex99-08s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. [Infinity Supplemental Data Report](ex99-08s6.htm)

[99.09 Maxwell Diligence Solutions, LLC ("**Maxwell**") Narrative](ex99-09.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Maxwell Standard Exceptions Report](ex99-09s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Maxwell Grading Report](ex99-09s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Maxwell Valuation Report](ex99-09s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Maxwell Supplemental Data Report](ex99-09s4.htm)

[99.10 Opus Capital Markets Consultants, LLC ("**Opus**") Narrative](ex99-10.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Opus Standard Findings Detail Report](ex99-10s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Opus Rating Agency Grades Summary Report](ex99-10s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Opus ATR or QM Report](ex99-10s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Opus Supplemental Data Report](ex99-10s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [Opus Business Purpose Report](ex99-10s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. [Opus Valuation Report](ex99-10s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. [Opus Data Compare Report](ex99-10s7.htm)

[99.11 Selene Diligence LLC ("**Selene**") Narrative](ex99-11.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Selene Rating Agency Grades Summary Report](ex99-11s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Selene Standard Findings Report](ex99-11s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Selene Valuation Report](ex99-11s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Selene MLS Report](ex99-11s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [Selene Supplemental Data Report](ex99-11s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. [Selene Business Purpose Report](ex99-11s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. [Selene Data Compare Report](ex99-11s7.htm)

## Exhibit 99.01

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.01**

![](ex9901001.jpg)

**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 Ellington Management Group, LLC (the "Client") through flow reviews and acquired by reliance letter. The Review was conducted from January 2026 through February 2026 on mortgage loans with origination dates from August 2025 through February 2026 via files imaged and provided by the Client's designee for review. The Review included loans reviewed under the Credit and Compliance Scope (34 loans) and the Business Purpose Scope (255 loans). The loans reviewed using the Credit and Compliance Scope and the Business Purpose Scope are referred to as the mortgage loans.

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

The initial population consisted of 289 mortgage loans.

The final population of the Review covered 289 mortgage loans totaling an aggregate original principal balance of approximately $99.887 million. To AMC's knowledge, the Review covered 100% of the securitization loan population.

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

The Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations, NRSRO(s), identified in Item 3 of the ABS Due Diligence-15E.

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

AMC compared data fields on the tape provided by the Client to the data found in the actual mortgage loan file as captured by AMC. For the purposes of this disclosure, AMC's review only included fields that were included in a related data integrity review being performed by another vendor and did not include all fields that may have been available for data comparison at the time of original acquisition. This comparison, when data was available, included the following data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Investor: Qualifying Housing Ratio | &nbsp;&nbsp;Originator Loan Designation |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;State |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Original Loan Amount |  |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Original LTV |  |

---

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

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

1 \| P a g e

![](ex9901001.jpg)

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

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

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

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

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

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

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

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

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

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

2 \| P a g e

![](ex9901001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

■ Reviewing
 and calculating that the DSCR and/or Property DTI conforms with applicable guidelines.

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

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

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**DATA COLLECTION**

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

**(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 the 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.

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

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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*<u>Qualified Mortgage</u>*

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

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

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

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

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For the mortgage loans determined to be Safe Harbor QM (APOR), the AMC report will indicate (i) "Yes" with respect to any mortgage loan for which the lender provided a Verification Safe Harbor, ("VSH") indicator of "Yes" on such mortgage loans, (ii) "No" with respect to any mortgage loan for which the lender provided a VSH indicator of "No" and (iii) "Not Stated" with respect to any mortgage loan for which the lender did not provide a VSH indicator.

\* Note, for mortgage loans in which the lender provided the VSH indicator, AMC captured the VSH indicator in the AMC report but did not verify the VSH indicator as provided by the related lender.

In addition to the above, for loans (i) that are designated as "Yes" with respect to a VSH indicator, (ii) for which such "Yes" VSH indicator was provided within the loan images, on the data tape or in the deal notes, and (iii) for which the related mortgage loan guidelines utilized one of the specified GSE June 2020 guidelines to meet VSH, AMC performed an additional variance evaluation on such QM (APOR) mortgage loans. AMC's variance evaluation consists of a review of such mortgage loan to identify documentation variances that would cause one to question the VSH attestation provided by the lender. If variances were identified, the mortgage loan would not be identified by AMC to meet the VSH documentation requirements under either the Fannie Mae guidelines or under the Freddie Mac guidelines, and the AMC report will indicate "No" with respect to such mortgage loans. The results of the variance evaluation are reflected in the reports.

This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

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

For each QM designated mortgage loan that satisfied the applicable requirements enumerated above, AMC then determines whether the mortgage loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage. The Review also includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

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

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

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

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

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

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

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

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

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

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

**(VI) Fannie Mae points and fees limitations and HOEPA restrictions as addressed in Fannie Mae Announcement 04-06, as amended by Lender Letters LL-2013-05 and LL-2013-06 and Selling Guide Announcement SEL-2013-06;** 

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

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

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

**(X) Recording Review** 

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

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

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**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
 1003;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
 TIL;

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

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

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

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

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

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**(9) Disclaimer.**

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

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

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

**OVERALL RESULTS SUMMARY** 

After giving consideration to the grading implications of the Credit, Compliance and Property/Valuation sections, 100.00% of the mortgage loans by number in the pool have a NRSRO grade of "A", or "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;258 | &nbsp;&nbsp;89.27% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;31 | &nbsp;&nbsp;10.73% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**289** | &nbsp;&nbsp;**100.00%** |

---

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**COMPLIANCE RESULTS SUMMARY** 

Please note that two hundred fifty-five (255) Business Purpose were not subjected to a compliance review and did not receive a compliance grade. Six (6) mortgage loan reviewed by AMC have a Compliance grade of "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;28 | &nbsp;&nbsp;82.35% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;17.65% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**34** | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY** 

All two hundred eighty-nine (289) mortgage loans reviewed by AMC have a Credit grade of "B" or higher and 91.00% of the mortgage loans by number have a Credit grade of "A."

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;263 | &nbsp;&nbsp;91.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;26 | &nbsp;&nbsp;9.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**289** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY** 

All two hundred eighty-nine (289) mortgage loans reviewed by AMC have a Property grade of "A."

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;289 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**289** | &nbsp;&nbsp;**100.00%** |

---

**EXCEPTION CATEGORY SUMMARY**

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**NRSRO Final Exception Rating** | &nbsp;&nbsp;**NRSRO Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***9*** | &nbsp;&nbsp;***9*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**9** | &nbsp;&nbsp;**9** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;24 | &nbsp;&nbsp;24 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Credit | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;Asset | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;System | &nbsp;&nbsp;System | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***34*** | &nbsp;&nbsp;***34*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**34** | &nbsp;&nbsp;**34** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**43** | &nbsp;&nbsp;**43** |

---

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the 289 mortgage loans reviewed, 250 unique mortgage loans had 515 different tape discrepancies across 18 data fields (some mortgage loans had more than one data delta). The largest variances were found on Note Date, Borrower Last Name and Contract Sales Price.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With <br> Discrepancy** | &nbsp;&nbsp;**Total Times <br> Compared** | &nbsp;&nbsp;**% <br> Variance** | &nbsp;&nbsp;**# Of <br> Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;1 | &nbsp;&nbsp;264 | &nbsp;&nbsp;0.38% | &nbsp;&nbsp;289 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;289 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;249 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;289 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;42 | &nbsp;&nbsp;4.76% | &nbsp;&nbsp;289 |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;289 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;17 | &nbsp;&nbsp;11.76% | &nbsp;&nbsp;289 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;145 | &nbsp;&nbsp;286 | &nbsp;&nbsp;50.70% | &nbsp;&nbsp;289 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;0 | &nbsp;&nbsp;289 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;289 |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;4 | &nbsp;&nbsp;15 | &nbsp;&nbsp;26.67% | &nbsp;&nbsp;289 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;289 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;289 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;74 | &nbsp;&nbsp;249 | &nbsp;&nbsp;29.72% | &nbsp;&nbsp;289 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;8 | &nbsp;&nbsp;37.50% | &nbsp;&nbsp;289 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;0 | &nbsp;&nbsp;248 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;289 |
| &nbsp;&nbsp;Investor: Qualifying Housing Ratio | &nbsp;&nbsp;5 | &nbsp;&nbsp;8 | &nbsp;&nbsp;62.50% | &nbsp;&nbsp;289 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;289 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;248 | &nbsp;&nbsp;0.81% | &nbsp;&nbsp;289 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;249 | &nbsp;&nbsp;0.40% | &nbsp;&nbsp;289 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;179 | &nbsp;&nbsp;273 | &nbsp;&nbsp;65.57% | &nbsp;&nbsp;289 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;7 | &nbsp;&nbsp;289 | &nbsp;&nbsp;2.42% | &nbsp;&nbsp;289 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;289 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;264 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;289 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;289 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;289 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;42 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;289 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;0 | &nbsp;&nbsp;249 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;289 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;248 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;289 |
| &nbsp;&nbsp;Originator Loan Designation | &nbsp;&nbsp;1 | &nbsp;&nbsp;24 | &nbsp;&nbsp;4.17% | &nbsp;&nbsp;289 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;11 | &nbsp;&nbsp;289 | &nbsp;&nbsp;3.81% | &nbsp;&nbsp;289 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;264 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;289 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;13 | &nbsp;&nbsp;289 | &nbsp;&nbsp;4.50% | &nbsp;&nbsp;289 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;289 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;289 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;3 | &nbsp;&nbsp;289 | &nbsp;&nbsp;1.04% | &nbsp;&nbsp;289 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;55 | &nbsp;&nbsp;248 | &nbsp;&nbsp;22.18% | &nbsp;&nbsp;289 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;7 | &nbsp;&nbsp;289 | &nbsp;&nbsp;2.42% | &nbsp;&nbsp;289 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**515** | &nbsp;&nbsp;**5870** | &nbsp;&nbsp;**8.77%** | &nbsp;&nbsp;**289** |

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of<br>Loans** | &nbsp;&nbsp;**Original <br>Balance** | &nbsp;&nbsp;**% of<br>Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;286 | &nbsp;&nbsp;98.96% | &nbsp;&nbsp;$97948536.00 | &nbsp;&nbsp;98.06% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.04% | &nbsp;&nbsp;$1938450.00 | &nbsp;&nbsp;1.94 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**289** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$99886986.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of<br>Loans** | &nbsp;&nbsp;**Original <br>Balance** | &nbsp;&nbsp;**% of<br>Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;289 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$99886986.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**289** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$99886986.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of<br>Loans** | &nbsp;&nbsp;**Original <br>Balance** | &nbsp;&nbsp;**% of<br>Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;147 | &nbsp;&nbsp;50.87% | &nbsp;&nbsp;$41713556.00 | &nbsp;&nbsp;41.76% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;8 | &nbsp;&nbsp;2.77% | &nbsp;&nbsp;$5128829.00 | &nbsp;&nbsp;5.13% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;101 | &nbsp;&nbsp;34.95% | &nbsp;&nbsp;$41314780.00 | &nbsp;&nbsp;41.36% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;33 | &nbsp;&nbsp;11.42% | &nbsp;&nbsp;$11729821.00 | &nbsp;&nbsp;11.74% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**289** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$99886986.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of<br>Loans** | &nbsp;&nbsp;**Original <br>Balance** | &nbsp;&nbsp;**% of<br>Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;287 | &nbsp;&nbsp;99.31% | &nbsp;&nbsp;$98452586.00 | &nbsp;&nbsp;98.56% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.35% | &nbsp;&nbsp;$860000.00 | &nbsp;&nbsp;0.86% |
| &nbsp;&nbsp;121-180 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.35% | &nbsp;&nbsp;$574000.00 | &nbsp;&nbsp;0.58% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**289** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$99886986.00** | &nbsp;&nbsp;**100.00%** |

---

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---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of<br>Loans** | &nbsp;&nbsp;**Original <br>Balance** | &nbsp;&nbsp;**% of<br>Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;142 | &nbsp;&nbsp;49.13% | &nbsp;&nbsp;$42516781.00 | &nbsp;&nbsp;42.56% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;20 | &nbsp;&nbsp;6.92% | &nbsp;&nbsp;$8933959.00 | &nbsp;&nbsp;8.94% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;6 | &nbsp;&nbsp;2.08% | &nbsp;&nbsp;$2201640.00 | &nbsp;&nbsp;2.20% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;42 | &nbsp;&nbsp;14.53% | &nbsp;&nbsp;$16006722.00 | &nbsp;&nbsp;16.02% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.69% | &nbsp;&nbsp;$827500.00 | &nbsp;&nbsp;0.83% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;8 | &nbsp;&nbsp;2.77% | &nbsp;&nbsp;$1662000.00 | &nbsp;&nbsp;1.66% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;48 | &nbsp;&nbsp;16.61% | &nbsp;&nbsp;$15608184.00 | &nbsp;&nbsp;15.63% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;11 | &nbsp;&nbsp;3.81% | &nbsp;&nbsp;$5800550.00 | &nbsp;&nbsp;5.81% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;8 | &nbsp;&nbsp;2.77% | &nbsp;&nbsp;$5439650.00 | &nbsp;&nbsp;5.45% |
| &nbsp;&nbsp;5-10 Unit Multi-Family | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.69% | &nbsp;&nbsp;$890000.00 | &nbsp;&nbsp;0.89% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**289** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$99886986.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of<br>Loans** | &nbsp;&nbsp;**Original <br>Balance** | &nbsp;&nbsp;**% of<br>Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;21 | &nbsp;&nbsp;7.27% | &nbsp;&nbsp;$11079900.00 | &nbsp;&nbsp;11.09% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;261 | &nbsp;&nbsp;90.31% | &nbsp;&nbsp;$83108690.00 | &nbsp;&nbsp;83.20% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;7 | &nbsp;&nbsp;2.42% | &nbsp;&nbsp;$5698396.00 | &nbsp;&nbsp;5.70% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**289** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$45642899.00** | &nbsp;&nbsp;**100.00%** |

---

16 \| P a g e

## Exhibit 99.01

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.01 - Schedule 1**

![](situs-logo.jpg)

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| |
|:---|
| **Rating Agency Grades** |
| **Run Date - 3/12/2026 4:25:17 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **Morningstar** | **Morningstar** |
| XXX | 2094860 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  |  |  |  |  |  | A | A |  |
| XXX | 2116916 | xxx |  |  | B |  | C | C | C | C | C | A | C | B |  | B | B | B | B | B | A | B |  |
| XXX | 2116922 | xxx |  |  | C |  | C | C | C | C | C | A | C | B |  | A | A | A | A | A | A | B |  |
| XXX | 2116921 | xxx |  |  | C |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| XXX | 2116925 | xxx |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| XXX | 2116919 | xxx |  |  | D |  | C | C | C | C | C | A | D | A |  | A | A | A | A | A | A | A |  |
| XXX | 2116926 | xxx |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| XXX | 2116929 | xxx |  |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| XXX | 2125722 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  |  |  |  |  |  | A | A |  |
| XXX | 2125723 | xxx |  |  | B |  |  |  |  |  |  | A | B | B |  |  |  |  |  |  | A | B |  |
| XXX | 2126969 | xxx |  |  | C |  | C | C | C | C | C | A | C | B |  | A | A | A | A | A | A | B |  |
| XXX | 2126967 | xxx |  |  | C |  | C | C | C | C | C | A | C | B |  | A | A | A | A | A | A | B |  |
| XXX | 2126973 | xxx |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| XXX | 2126983 | xxx |  |  | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| XXX | 2126984 | xxx |  |  | B |  | A | A | A | A | A | A | B | B |  | A | A | A | A | A | A | B |  |
| XXX | 2126979 | xxx |  |  | C |  | D | D | D | D | D | A | D | A |  | A | A | A | A | A | A | A |  |
| XXX | 2126982 | xxx |  |  | C |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| XXX | 2126977 | xxx |  |  | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| XXX | 2126971 | xxx |  |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| XXX | 2126987 | xxx |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| XXX | 2126968 | xxx |  |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| XXX | 2126970 | xxx |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| XXX | 2126974 | xxx |  |  | C |  | A | A | A | A | A | A | C | B |  | A | A | A | A | A | A | B |  |
| XXX | 2126975 | xxx |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| XXX | 2126990 | xxx |  |  | B |  | A | A | A | A | A | A | B | B |  | A | A | A | A | A | A | B |  |
| XXX | 2126989 | xxx |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| XXX | 2126988 | xxx |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| XXX | 2126991 | xxx |  |  | C |  | D | D | D | D | D | A | D | A |  | A | A | A | A | A | A | A |  |
| XXX | 2131430 | xxx |  |  | D |  |  |  |  |  |  | A | D | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| XXX | 2131432 | xxx |  |  | D |  |  |  |  |  |  | A | D | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| XXX | 2131434 | xxx |  |  | D |  |  |  |  |  |  | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131435 | xxx |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131428 | xxx |  |  | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| XXX | 2131431 | xxx |  |  | C |  | D | D | D | D | D | A | D | A |  | A | A | A | A | A | A | A |  |
| XXX | 2131433 | xxx |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| XXX | 2133267 | xxx |  |  | C |  | D | D | D | D | D | A | D | A |  | A | A | A | A | A | A | A |  |
| XXX | 2133269 | xxx |  |  | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| XXX | 2133266 | xxx |  |  | C D |  | A | A | A | A | A | A | C D | A |  | A | A | A | A | A | A | A |  |
| XXX | 2133265 | xxx |  |  | C D |  | D | D | D | D | D | A | D | A |  | A | A | A | A | A | A | A |  |
| XXX | 2133268 | xxx |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| XXX | 2133270 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132175 | xxx |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| XXX | 2132205 | xxx |  |  | C |  |  |  |  |  |  | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| XXX | 2132208 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131520 | xxx |  |  | A |  |  |  |  |  |  | A B | A B | A |  | N/A | N/A | N/A | N/A | N/A | A B | A B |  |
| XXX | 2132207 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131550 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131498 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131517 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131539 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131523 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131514 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131515 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131513 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132203 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131544 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131521 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131551 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131535 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131504 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131511 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131501 | xxx |  |  | C |  |  |  |  |  |  | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| XXX | 2131528 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132209 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131538 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131537 | xxx |  |  | C |  |  |  |  |  |  | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| XXX | 2131536 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131505 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131548 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132204 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131527 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131542 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131509 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131529 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131526 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131518 | xxx |  |  | B |  |  |  |  |  |  | A | B | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131502 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131531 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131512 | xxx |  |  | D |  |  |  |  |  |  | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131525 | xxx |  |  | C D |  |  |  |  |  |  | A | C D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131541 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131503 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131547 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131516 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131507 | xxx |  |  | B |  |  |  |  |  |  | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| XXX | 2131530 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131510 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131522 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131524 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131508 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132183 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132156 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132181 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131545 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132154 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132174 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132155 | xxx |  |  | A |  |  |  |  |  |  | D | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132178 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132198 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132168 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132177 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132169 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132199 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132161 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132159 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132192 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132194 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132186 | xxx |  |  | B |  |  |  |  |  |  | A | B | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132166 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132197 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132176 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132196 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132157 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132179 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132162 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132165 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132195 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132184 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132187 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132185 | xxx |  |  | C |  |  |  |  |  |  | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| XXX | 2132164 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132188 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132189 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132163 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132200 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132171 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132202 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132167 | xxx |  |  | C |  |  |  |  |  |  | D | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132172 | xxx |  |  | D |  |  |  |  |  |  | A | D | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| XXX | 2132193 | xxx |  |  | D |  |  |  |  |  |  | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132170 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132182 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132158 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132190 | xxx |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131456 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129467 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2126830 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131440 | xxx |  |  | B |  |  |  |  |  |  | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| XXX | 2129427 | xxx |  |  | B |  |  |  |  |  |  | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| XXX | 2131457 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2126821 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131450 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131451 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129457 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131446 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129470 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131448 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129437 | xxx |  |  | D |  |  |  |  |  |  | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2126811 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131445 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2126799 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129429 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2126801 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131458 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129414 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129465 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131459 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129431 | xxx |  |  | D |  |  |  |  |  |  | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129425 | xxx |  |  | B |  |  |  |  |  |  | A | B | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131449 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2126805 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131461 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2126793 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129436 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129422 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129413 | xxx |  |  | C |  |  |  |  |  |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2126826 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129421 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2126792 | xxx |  |  | A |  |  |  |  |  |  | A B | A B | A |  | N/A | N/A | N/A | N/A | N/A | A B | A B |  |
| XXX | 2129466 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2126790 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129417 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129435 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132451 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129443 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129451 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132420 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132411 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131447 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129439 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129440 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129461 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129428 | xxx |  |  | B |  |  |  |  |  |  | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| XXX | 2126797 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2126816 | xxx |  |  | D |  |  |  |  |  |  | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2126819 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129415 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129459 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131438 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132428 | xxx |  |  | A |  |  |  |  |  |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129433 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129420 | xxx |  |  | C |  |  |  |  |  |  | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| XXX | 2132450 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2126812 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131442 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132453 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131441 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2126829 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129446 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129468 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2126825 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132405 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2126809 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2126827 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2126787 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129454 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2126785 | xxx |  |  | B |  |  |  |  |  |  | A | B | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129418 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2126804 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129444 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129419 | xxx |  |  | B |  |  |  |  |  |  | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| XXX | 2129473 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132436 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131444 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131443 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129463 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129462 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2126820 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129449 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2126806 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2126815 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129450 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129424 | xxx |  |  | B |  |  |  |  |  |  | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| XXX | 2126822 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129416 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2126813 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2126789 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129458 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2126800 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2126818 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129432 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129448 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129445 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2126783 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2126791 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2126824 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129423 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2126798 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131439 | xxx |  |  | B |  |  |  |  |  |  | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| XXX | 2126796 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2126794 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129456 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2126817 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129452 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129472 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2126788 | xxx |  |  | C |  |  |  |  |  |  | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| XXX | 2126795 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129460 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129455 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129441 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132449 | xxx |  |  | C D |  |  |  |  |  |  | A | C D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2126823 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132422 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2126807 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132424 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132429 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132412 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132447 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132455 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132435 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132438 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132446 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132418 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132442 | xxx |  |  | B |  |  |  |  |  |  | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| XXX | 2132419 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132423 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132404 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132460 | xxx |  |  | C |  |  |  |  |  |  | D | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132410 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132413 | xxx |  |  | D |  |  |  |  |  |  | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132448 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132417 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132456 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132441 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132425 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132415 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132443 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132409 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132421 | xxx |  |  | C |  |  |  |  |  |  | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| XXX | 2132414 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132454 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132439 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132406 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132427 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132434 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132408 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132416 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132426 | xxx |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132432 | xxx |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |

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## Exhibit 99.01

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.01 - Schedule 2**

![](situs-logo.jpg)

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| |
|:---|
| **Exception Grades** |
| **Run Date - 3/12/2026 4:25:18 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** |
| xxx | 2116916 | xxx |  | 35582450 |  | 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] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No Cure provided |  |  |  | Reviewer Comment (2025-12-01): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-12-01): Please see attached PCCD, LOE and the refund check as well as the [redacted]label.<br>Buyer Comment (2025-12-01): Please see attached PCCD, LOE and the refund check as well as the [redacted] label.<br>Reviewer Comment (2025-11-24): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: TILA-RESPA Integrated Disclosure: [redacted] percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. ([redacted])<br>Reviewer Comment (2025-11-14): [redacted] received Changed Circumstance dated [redacted], but it does not give sufficient information on what new information was received that required to record additional document to increase the fee. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-11-13): Please see attached VCOC for recording fee. |  | 12/01/2025 |  | 2 C B |  | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| xxx | 2116916 | xxx |  | 35582451 |  | 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] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No Cure provided |  |  |  | Reviewer Comment (2025-12-01): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-12-01): See trailing docs for PCCD and tolerance cure. |  | 12/01/2025 |  | 2 C B |  | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| xxx | 2116916 | xxx |  | 35582452 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure APR | TILA-RESPA Integrated Disclosure - Loan Calculations: APR of [redacted]% on Final Closing Disclosure provided on [redacted] is under-disclosed from the calculated APR of [redacted]% outside of [redacted]% tolerance. | APR is under-disclosed on final CD |  |  |  | Reviewer Comment (2025-12-02): [redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Buyer Comment (2025-12-01): See trailing docs for PCCD and tolerance cure.<br>Reviewer Comment (2025-11-14): [redacted] cannot confirm without testing, however initial review seems to indicate the APR would still be outside of tolerance.<br>Buyer Comment (2025-11-13): Please confirm that if the other TRID exceptions are cured or cleared that this finding will be cured or cleared. |  | 12/02/2025 |  | 2 C B |  | WA | 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 if Applicable B | Non QM | Non QM | Yes |
| xxx | 2116916 | xxx |  | 35582454 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender-Approved Exception for purchasing a home with a [redacted]% down payment gift of equity, allowing for an [redacted]% LTV when guidelines require a [redacted]% LTV due to a [redacted]% gift of equity reduction. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted]<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly mortgage payment has decreased by at least [redacted]%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-06): Lender approved exception in file |  |  | 11/06/2025 | 2 B |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxx | 2116916 | xxx |  | 35582455 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender-Approved Exception allowing for an appraisal ordered directly from the [redacted] by the broker. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted]<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly mortgage payment has decreased by at least [redacted]%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-06): Lender approved exception in file |  |  | 11/06/2025 | 2 B |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxx | 2116922 | xxx |  | 35582459 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Wire provided for EM does not match up to bank account provided, missing source of Earnest Money deposit | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted]<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-12-11): Lender requests to waive with compensating factors to an EV2/ grade B<br>Reviewer Comment (2025-12-09): Received letter stating borrower is owner of [redacted] , however wire still shows as coming from [redacted] - Sent email to lender for clarification - is this an error from Title.<br>Buyer Comment (2025-12-04): attached lox from uw with regard to the [redacted]k asset<br>Reviewer Comment (2025-12-02): Sent Asset Analysis to Lender<br>Buyer Comment (2025-12-01): [redacted] ACCT<br>Buyer Comment (2025-12-01): gift letters attached<br>Reviewer Comment (2025-11-28): Received bank account with [redacted] #[redacted] in the name of [redacted] - Unable to tie account to borrower and account not listed on gift letters<br>Buyer Comment (2025-11-25): ATTACHED |  |  | 12/11/2025 | 2 C B |  | CA | Second Home | Purchase | C B A | Non QM | Non QM | No |
| xxx | 2116922 | xxx |  | 35582460 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Short reserves |  |  |  | Reviewer Comment (2025-12-11): Lender waived<br>Buyer Comment (2025-11-25): ATTACHED | 12/11/2025 |  |  | 1 B A C |  | CA | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| xxx | 2116922 | xxx |  | 35582461 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Short reserves |  |  |  | Reviewer Comment (2025-12-11): Lender waived<br>Buyer Comment (2025-11-25): ATTACHED | 12/11/2025 |  |  | 1 C A |  | CA | Second Home | Purchase | C B A | Non QM | Non QM | No |
| xxx | 2116922 | xxx |  | 35582462 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Received [redacted] account #[redacted] showing EM wire, however name on Bank account is [redacted], unable to locate documentation showing this is a borrower account - and it is not listed on any gift letters. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted]<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-12-11): Lender requests to waive with compensating factors to an EV2/ grade B |  |  | 12/11/2025 | 2 B |  | CA | Second Home | Purchase | C B A | Non QM | Non QM | No |
| xxx | 2116922 | xxx |  | 35582463 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. |  | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted]<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-12-11): Lender waived |  |  | 12/11/2025 | 2 B |  | CA | Second Home | Purchase | C B A | Non QM | Non QM | No |
| xxx | 2116921 | xxx |  | 35582464 |  | 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 did not disclose the Brokers's Contact or Contact's NMLS ID. Provide a post-close CD correcting the section and a copy of the letter of explanation to the borrower disclosing the changes made or an attestation from the lender stating that no individual contact was used on the transaction. |  |  |  | Reviewer Comment (2025-12-05): [redacted] received corrected LOE & CD.<br>Buyer Comment (2025-12-04): See attached LOE and proof of delivery<br>Reviewer Comment (2025-12-02): [redacted] received corrected PCCD. Please provide LOE which accompanied the PCCD to finalize.<br>Buyer Comment (2025-12-01): Please see attached PCCD. Please advise if the insufficiency has been addressed. If so, it will be sent to the borrower and a LOE and proof of delivery will be provided. |  | 12/05/2025 |  | 2 C B |  | NJ | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| xxx | 2116921 | xxx |  | 35582469 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Most recent returns/transcripts missing and required. |  |  |  | Reviewer Comment (2025-12-02): Foreign National<br>Buyer Comment (2025-12-01): Please see section [redacted] (page [redacted]) <br> [redacted] Self Employed Income<br> [redacted] A letter from the Borrower's accountant stating the Borrower's income for the previous year and YTD and length of time of self-employment income translated in English, a copy of the Borrower's accountants license must be included in the file. | 12/02/2025 |  |  | 1 C A |  | NJ | Second Home | Purchase | C B A | Non QM | Non QM | No |
| xxx | 2116919 | xxx |  | 35582478 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. |  |  |  | Reviewer Comment (2025-12-08): [redacted] received proof of earlier electronic receipt<br>Buyer Comment (2025-12-05): initial CD<br>Buyer Comment (2025-12-05): Initial CD was emailed to borrower on [redacted]/[redacted] - CD dated [redacted]/[redacted] Providing Disclosure Tracking Details report confirm this and the initial CD. | 12/08/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No |
| xxx | 2116919 | xxx |  | 35582480 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | Missing Page [redacted] of Security Instrument |  |  |  | Reviewer Comment (2025-12-09): Received<br>Buyer Comment (2025-12-05): Mortgage all pages | 12/09/2025 |  |  | 1 D A |  | PA | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
| xxx | 2116929 | xxx |  | 35582495 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Appraisal Revision completed [redacted], less than [redacted] business days from Note date [redacted] |  |  |  | Reviewer Comment (2025-12-18): Lender waives as is.<br>Buyer Comment (2025-12-15): Elect to waive and close out grade [redacted] for appraisal delivery. |  |  | 12/18/2025 | 2 B |  | KS | Primary | Purchase | B A | Non QM | Non QM | No |
| xxx | 2116929 | xxx |  | 35582496 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Appraisal Revision completed [redacted], less than [redacted] business days from Note date [redacted] |  |  |  | Reviewer Comment (2025-12-18): Lender waives as is.<br>Buyer Comment (2025-12-15): Elect to waive and close out grade [redacted] for appraisal delivery. |  |  | 12/18/2025 | 2 B |  | KS | Primary | Purchase | B A | Non QM | Non QM | No |
| xxx | 2125722 | xxx |  | 35722923 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | The file was missing HUD document. |  |  |  | Reviewer Comment (2026-01-23): Final signed closing statement provided<br>Buyer Comment (2026-01-23): Please see the ALTA Settlement Statement | 01/23/2026 |  |  | 1 C A |  | MI | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| xxx | 2125722 | xxx |  | 35722924 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | [redacted] months bank statements required |  |  |  | Reviewer Comment (2026-01-23): Additional statement provided<br>Buyer Comment (2026-01-23): Please see the attached bank statement | 01/23/2026 |  |  | 1 C A |  | MI | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| xxx | 2125723 | xxx |  | 35722931 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for [redacted]-unit property. One of the units is [redacted] sq ft. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] |  | SitusAMC<br>SitusAMC | Reviewer Comment (2026-01-26): Client elect to waive with verified compensation factors |  |  | 01/26/2026 | 2 B |  | TX | Investment | Purchase | B A |  | N/A | No |
| xxx | 2126969 | xxx |  | 35771385 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | Reviewer Comment (2025-12-04): received<br>Buyer Comment (2025-12-02): Last [redacted] Lock Confirmation in the loan file. | 12/04/2025 |  |  | 1 B A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxx | 2126969 | xxx |  | 35771388 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Lender guidelines require at least [redacted] months of PITIA for reserves. The subject transaction does not meet this requirement. Additional assets must be verified with at least [redacted] months of recent bank statements. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted]<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-01-22): Lender exception approval in file<br>Buyer Comment (2026-01-21): credit exception for reserves<br>Reviewer Comment (2025-12-04): As per the recent Bank Statement until [redacted] the current balance is $[redacted] Additional Assets is required to for Reserve Requirements. Exception Remains.<br>Buyer Comment (2025-12-02): I need clarification of which asset you are not including in this exception. Your [redacted] report confirms Assets of $[redacted] - EMD = $[redacted] - Cash to close $[redacted] = $[redacted] for reserves. PITI $[redacted] x [redacted]months = $[redacted] Using all these assets on the LAS report shows that we meet the reserve requirement. |  |  | 01/22/2026 | 2 C B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxx | 2126969 | xxx |  | 35771389 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | DTI exceeds the lender's maximum for the calculated LTV. DTI includes the borrower's sole installment debt as required. Debt was excluded by the lender due to being paid by the business, however, the borrower was approved with personal bank statements showing the payment of the liability. |  |  |  | Reviewer Comment (2026-01-23): Received Note, and Payment history of "Paid by other"<br>Buyer Comment (2026-01-23): Borr signed a note with owner of [redacted]. [redacted] is [redacted]% owned by another party. Sec State docs confirm owned by another party. Third party provides the money to pay the auto loan, the deposits for the auto loan were not included in the income flow.<br>Reviewer Comment (2026-01-23): Borrower has no Business Bank Accounts, Received personal bank accounts truck payment coming from Personal account - exception remains<br>Buyer Comment (2026-01-22): Bank statements<br>Buyer Comment (2026-01-22): This truck payment of $[redacted] is paid by business, which used the [redacted] personal account ..[redacted] as a pass through. Please review underwriter LOE and bank statements that show [redacted] deposited the $[redacted] truck payment into this personal account every month. Debt is omitted, paid by business so it is not on the [redacted]<br>Reviewer Comment (2026-01-22): Per [redacted] provided in file, no other debt included in DTI but for the subject mortgage loan - exception remains<br>Buyer Comment (2026-01-21): Please refer to the final [redacted] [redacted] and credit report. This truck payment of $[redacted] was included in DTI in this underwrite.<br>Reviewer Comment (2025-12-04): Received Note for Truck, in the name of the Business, however borrower has no Business statements in file only personal and the truck payment is coming from Personal account. - exception remains<br>Buyer Comment (2025-12-02): The Private Note is in the name of [redacted] - for his business not in his personal liability. Not to be included in DTI. | 01/23/2026 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxx | 2126969 | xxx |  | 35771390 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to the insufficient reserves and DTI exceeding the lender's requirement. Additional assets must be provided and verified to cover the reserve requirement. DTI exceeds the lender limit due to the inclusion of the sole active tradeline on the credit report. The liability was excluded by the lender due to being a business expense, however, the past [redacted] payments were made out of a personal bank account. |  |  |  | Reviewer Comment (2026-01-23): Received Note and Pay history of buyer of Truck<br>Buyer Comment (2026-01-23): attached<br>Reviewer Comment (2026-01-23): Received borrowers personal bank accounts, borrower does not have business bank accounts - Truck payment deducted from personal account, exception remains<br>Buyer Comment (2026-01-22): bank statements<br>Buyer Comment (2026-01-22): This truck payment of $[redacted] is paid by business, which used the [redacted]personal account ..[redacted] as a pass through. Please review underwriter LOE and bank statements that show [redacted] deposited the $[redacted] truck payment into this personal account every month. Debt is omitted, paid by business so it is not on the [redacted]<br>Reviewer Comment (2026-01-22): DTI exceeds guidelines<br>Buyer Comment (2026-01-21): Please refer to the final [redacted] [redacted] and credit report. This truck payment of $[redacted] was included in DTI in this underwrite.<br>Reviewer Comment (2025-12-04): Received Note for Truck, in the name of the Business, however borrower has no Business statements in file only personal and the truck payment is coming from Personal account. - exception remains<br>Buyer Comment (2025-12-02): The Private Note is in the name of [redacted]- for his business not in his personal liability. Not to be included in DTI. | 01/23/2026 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| xxx | 2126969 | xxx |  | 35771391 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Ability to Repay failure due to the insufficient reserves and DTI exceeding the lender's requirement. Additional assets must be provided and verified to cover the reserve requirement. DTI exceeds the lender limit due to the inclusion of the sole active tradeline on the credit report. The liability was excluded by the lender due to being a business expense, however, the past [redacted] payments were made out of a personal bank account. |  |  |  | Reviewer Comment (2026-01-23): Received Note and Pay history of buyer of Truck<br>Buyer Comment (2026-01-23): attached<br>Reviewer Comment (2026-01-23): Received borrowers personal bank accounts, borrower does not have business bank accounts - Truck payment deducted from personal account, exception remains<br>Buyer Comment (2026-01-22): bank statements<br>Buyer Comment (2026-01-22): This truck payment of $[redacted] is paid by business, which used the [redacted] personal account ..[redacted] as a pass through. Please review underwriter LOE and bank statements that show [redacted] deposited the $[redacted] truck payment into this personal account every month. Debt is omitted, paid by business so it is not on the [redacted]<br>Reviewer Comment (2026-01-22): DTI exceeds guidelines<br>Buyer Comment (2026-01-21): Please refer to the final [redacted] [redacted] and credit report. This truck payment of $[redacted] was included in DTI in this underwrite. | 01/23/2026 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxx | 2126969 | xxx |  | 35771392 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted](c)([redacted]) of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV[redacted]-B.) | DTI exceeds the lender limit due to the inclusion of the sole active tradeline on the credit report. The liability was excluded by the lender due to being a business expense, however, the past [redacted] payments were made out of a personal bank account. |  |  |  | Reviewer Comment (2026-01-23): Received Note and Pay history of buyer of Truck<br>Buyer Comment (2026-01-23): attached<br>Reviewer Comment (2026-01-23): Received borrowers personal bank accounts, borrower does not have business bank accounts - Truck payment deducted from personal account, exception remains<br>Buyer Comment (2026-01-22): bank statements<br>Buyer Comment (2026-01-22): This truck payment of $[redacted] is paid by business, which used the [redacted] personal account ..[redacted] as a pass through. Please review underwriter LOE and bank statements that show [redacted] deposited the $[redacted] truck payment into this personal account every month. Debt is omitted, paid by business so it is not on the [redacted]<br>Reviewer Comment (2026-01-22): DTI exceeds guidelines<br>Buyer Comment (2026-01-21): Please refer to the final [redacted] [redacted] and credit report. This truck payment of $[redacted] was included in DTI in this underwrite. | 01/23/2026 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxx | 2126967 | xxx |  | 35771398 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Borrower's assets included an $[redacted] gift letter with the gift paid directly to the settlement agent. Underwriter conditioned that the gift be shown as an "Adjustment and Other Credit" on the final CD, but the CD does not show any gift, so the gift was not considered. Please provide additional assets to satisfy the [redacted] month reserve requirement. |  |  |  | Reviewer Comment (2026-01-08): Received Confirmation of Wire received<br>Buyer Comment (2026-01-08): Please see attached Final CD with $[redacted] credit and the wire receipt from escrow from donor.<br>Reviewer Comment (2025-12-30): CD provided is incomplete (No loan program, interest rate, terms) and not acceptable as it is unsigned by borrower<br>Buyer Comment (2025-12-29): attached<br>Buyer Comment (2025-12-29): attached revised cd<br>Reviewer Comment (2025-12-29): Additional proof for Assets required to full fill reserve requirements. Exception Remains.<br>Buyer Comment (2025-12-23): attached | 01/08/2026 |  |  | 1 C A |  | MI | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxx | 2126967 | xxx |  | 35771399 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Additional proof of Assets required to fulfil reserve requirements |  |  |  | Reviewer Comment (2026-01-08): Received<br>Buyer Comment (2026-01-08): See trailing docs<br>Reviewer Comment (2025-12-30): CD provided is incomplete (No loan program, interest rate, terms) and not acceptable as it is unsigned by borrower<br>Buyer Comment (2025-12-29): updated cd<br>Reviewer Comment (2025-12-29): Received wire transfer request, however, it does not contain borrower name, or account# or evidence gift has been transferred. exception remains<br>Buyer Comment (2025-12-23): attached with credit exception | 01/08/2026 |  |  | 1 B A C |  | MI | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| xxx | 2126967 | xxx |  | 35771400 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Gift letter states Gift Funds will be sent to Title at Closing, no evidence provided on Final CD or via wire that funds were sent to closing. |  |  |  | Reviewer Comment (2026-01-08): Received<br>Buyer Comment (2026-01-08): see trailing docs<br>Reviewer Comment (2025-12-30): Email sent to lender<br>Buyer Comment (2025-12-29): attached<br>Reviewer Comment (2025-12-29): Received wire transfer request, however, it does not contain borrower name, or account# or evidence gift has been transferred. exception remains<br>Buyer Comment (2025-12-23): attached with credit exception | 01/08/2026 |  |  | 1 C A |  | MI | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxx | 2126967 | xxx |  | 35771401 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | File contains a Lender-Approved Exception allowing for [redacted]% LTV on a site condo versus guideline max of [redacted]%. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted]<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-12-15): Lender exception approval in file |  |  | 12/15/2025 | 2 B |  | MI | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxx | 2126983 | xxx |  | 35771409 |  | 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] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No cure was provided. |  |  |  | Reviewer Comment (2026-01-02): [redacted] received valid COC document<br>Buyer Comment (2025-12-31): This borrower request happened the day before closing. Providing notes from [redacted] Disclosure Tracking, confirming the reason for the changes.<br>Reviewer Comment (2025-12-31): [redacted] received rebuttal, however no COC document available in file for [redacted]. Please provide valid COC document for CD dated [redacted] to re-evaluate the exception.<br>Buyer Comment (2025-12-30): Final Lock - [redacted]%<br>Buyer Comment (2025-12-30): The original lock did not have a Broker Fee, the interest rate was at [redacted]%. We had an interest rate reduction on [redacted]/[redacted] two days prior the loan closing, reducing the interest rate to [redacted]%. You can see the change in rate and pricing on the [redacted] lock, providing original lock and final lock, [redacted] days prior to the loan closing. | 01/02/2026 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| xxx | 2126983 | xxx |  | 35771411 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | CPA Letter is missing for business ownership of borrower and co-borrower. |  |  |  | Reviewer Comment (2025-12-30): Received Business License. Exception Cleared<br>Buyer Comment (2025-12-30): Providing business license that shows borrowers are owners. | 12/30/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| xxx | 2126983 | xxx |  | 35771412 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | CPA is missing for business ownership of borrower and co-borrower. |  |  |  | Reviewer Comment (2025-12-31): Received<br>Buyer Comment (2025-12-30): Providing business license that shows borrowers are owners. | 12/31/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| xxx | 2126983 | xxx |  | 35771413 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (2025-12-31): Received<br>Buyer Comment (2025-12-30): Providing business license that shows borrowers are owners. | 12/31/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| xxx | 2126984 | xxx |  | 35771418 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender allowed loan to proceed without [redacted] for [redacted] (unable to locate) and to proceed with year-end [redacted] paystubs and [redacted] Transcripts | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted]<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-12-29): Lender exception approval in file |  |  | 12/29/2025 | 2 B |  | NV | Primary | Purchase | B A | Non QM | Non QM | No |
| xxx | 2126979 | xxx |  | 35771420 |  | 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] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No Cure Provided |  |  |  | Reviewer Comment (2025-12-31): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-12-30): Addressed at the closing - Cured | 12/31/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| xxx | 2126979 | xxx |  | 35771421 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  | Document provided is unsigned |  |  |  | Reviewer Comment (2026-01-05): Received signed and dated final [redacted] Exception Cleared.<br>Buyer Comment (2026-01-02): See attached final signed [redacted]<br>Reviewer Comment (2025-12-30): Required Signed copy of Final [redacted] Exception Remains.<br>Buyer Comment (2025-12-30): See attached final [redacted] | 01/05/2026 |  |  | 1 C A |  | FL | Second Home | Purchase | D A C | Non QM | Non QM | No |
| xxx | 2126979 | xxx |  | 35771423 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | Note provided is unsigned |  |  |  | Reviewer Comment (2025-12-30): Received Signed Note. Exception Cleared.<br>Buyer Comment (2025-12-30): See attached signed note and mortgage | 12/30/2025 |  |  | 1 D A |  | FL | Second Home | Purchase | D A C | Non QM | Non QM | No |
| xxx | 2126979 | xxx |  | 35771424 |  | Credit | Loan Package Documentation | Closing / Title | Collateral | Security Instrument is not signed by borrower(s). |  | or Notarized |  |  |  | Reviewer Comment (2025-12-30): Received Signed Security instrument, Rider-PUD & Rider- Second Home. Exception Cleared.<br>Buyer Comment (2025-12-30): see trailing | 12/30/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | D A C | Non QM | Non QM | No |
| xxx | 2126979 | xxx |  | 35771425 |  | 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 (2025-12-31): Sufficient Cure Provided At Closing |  | 12/31/2025 |  | 1 A |  | FL | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| xxx | 2126982 | xxx |  | 35771426 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Appraisal Revision completed [redacted] is dated less than [redacted] business days from Note date. Prior appraisal date of [redacted] does not have a corresponding appraisal submission sheet. Only provided appraisal notice is dated [redacted]. |  |  |  | Reviewer Comment (2026-01-05): Lender acknowledges this is Grade [redacted] and elects to waive<br>Buyer Comment (2025-12-31): Elect to waive and close out this grade [redacted] for appraisal delivery. |  |  | 01/05/2026 | 2 B |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxx | 2126982 | xxx |  | 35771427 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Provided initial Closing Disclosure dated [redacted] was not signed. There is no verification in file the CD was received by the borrower. |  |  |  | Reviewer Comment (2025-12-31): [redacted] received Initial CD and proof of receipt.<br>Buyer Comment (2025-12-31): Initial CD,<br>Buyer Comment (2025-12-31): Initial CD was emailed to borrower on [redacted]/[redacted] Providing Encompass Disclosure Tracking Details confirming [redacted]/[redacted] and including a copy of the [redacted]/[redacted] initial CD. | 12/31/2025 |  |  | 1 C A |  | TX | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| xxx | 2126982 | xxx |  | 35771429 |  | 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 (2025-12-29): Sufficient Cure Provided At Closing |  | 12/29/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| xxx | 2126982 | xxx |  | 35771430 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Lender guidelines require [redacted] months of verified receipt of child support payments when used for income. Borrower only provided [redacted] months of non-consecutive receipt. |  |  |  | Reviewer Comment (2026-01-05): Received<br>Buyer Comment (2026-01-05): Proof of [redacted] months child support, [redacted] statements side by side per page.<br>Reviewer Comment (2026-01-05): Received duplicate LOE and Court order. Required [redacted] months of the borrower's most recent regular receipt of the full payment. Exception Remains.<br>Buyer Comment (2025-12-31): LOE and court order<br>Buyer Comment (2025-12-31): Providing [redacted] months of child support, DTI is [redacted]%, additional reserves are not required. | 01/05/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxx | 2126982 | xxx |  | 35771431 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Lender guidelines require at least [redacted] months PITIA to meet the reserve requirement. Subject DTI exceeds [redacted]% and the borrower's departure residence is reported on their credit report. Additional bank assets must be provided with the most recent [redacted] months bank statements. |  |  |  | Reviewer Comment (2026-01-07): [redacted]K balance updated [redacted]% as per guideline. Exception Cleared.<br>Buyer Comment (2026-01-06): Your [redacted] report has reduced the [redacted] balance to $[redacted] the actual balance is $[redacted] Please refer to [redacted] guidelines. [redacted]-Asset Documentation - [redacted]th bullet point: Stocks/bonds/mutual funds - [redacted]% of account balance may be considered in the calculation of assets for closing costs, [redacted]% can be used for reserves. Using [redacted]% of this [redacted]k give us ample reserves.<br>Reviewer Comment (2026-01-05): This is a separate exception from the Child support, this is a reserve shortage<br>Buyer Comment (2026-01-05): Proof of [redacted] months child support, [redacted]statements side by side per page.<br>Reviewer Comment (2026-01-05): Received duplicate LOE and Court order. Required [redacted]months of the borrower's most recent regular receipt of the full payment. Exception Remains.<br>Buyer Comment (2025-12-31): LOE and court order<br>Buyer Comment (2025-12-31): Providing [redacted] months of child support, DTI is [redacted]%, additional reserves are not required. | 01/07/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxx | 2126982 | xxx |  | 35771432 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to the loan having insufficient assets to meet the reserve requirement. Subject transaction requires additional reserves due to DTI calculation and reported mortgage on the credit report. |  |  |  | Reviewer Comment (2026-01-08): Received<br>Buyer Comment (2026-01-06): Your [redacted]] report has reduced the [redacted] balance to $[redacted] the actual balance is $[redacted] Please refer to [redacted] guidelines. [redacted]-Asset Documentation - [redacted]th bullet point: Stocks/bonds/mutual funds - [redacted]% of account balance may be considered in the calculation of assets for closing costs, [redacted]% can be used for reserves. Using [redacted]% of this [redacted]k give us ample reserves.<br>Reviewer Comment (2026-01-05): This is a separate exception from the Child support, this is a reserve shortage<br>Buyer Comment (2026-01-05): Proof of [redacted] months child support, [redacted] statements side by side per page.<br>Buyer Comment (2025-12-31): LOE and court order<br>Buyer Comment (2025-12-31): Providing [redacted] months of child support, DTI is [redacted]%, additional reserves are not required. | 01/08/2026 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| xxx | 2126982 | xxx |  | 35771433 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Ability to Repay failure due to the loan having insufficient assets to meet the reserve requirement. Subject transaction requires additional reserves due to DTI calculation and reported mortgage on the credit report. |  |  |  | Reviewer Comment (2026-01-08): Received<br>Buyer Comment (2026-01-06): Your LAS report has reduced the [redacted] balance to $[redacted] the actual balance is $[redacted] Please refer to [redacted] guidelines. [redacted]-Asset Documentation - [redacted]th bullet point: Stocks/bonds/mutual funds - [redacted]% of account balance may be considered in the calculation of assets for closing costs, [redacted]% can be used for reserves. Using [redacted]% of this [redacted]k give us ample reserves.<br>Reviewer Comment (2026-01-05): This is a separate exception from the Child support, this is a reserve shortage<br>Buyer Comment (2026-01-05): Proof of [redacted] months child support, [redacted]statements side by side per page.<br>Buyer Comment (2025-12-31): LOE and court order<br>Buyer Comment (2025-12-31): Providing [redacted] months of child support, DTI is [redacted]%, additional reserves are not required. | 01/08/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxx | 2126982 | xxx |  | 35771434 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  |  |  |  |  | Reviewer Comment (2026-01-23): Used [redacted]% of [redacted]K provided that wasn't required to use for reserves<br>Reviewer Comment (2026-01-23): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Documented qualifying Assets for Closing of $[redacted] is less than Cash From Borrower $[redacted]<br>Buyer Comment (2026-01-22): Please add back $[redacted] to funds to close from appraisal invoice paid by borrower POC.<br>Reviewer Comment (2026-01-22): [redacted]was used as [redacted]% for reserves, please not this exception is for funds to close. Unable to use accounts #[redacted] [redacted] [redacted] [redacted] as these accounts belong to non-borrower and no evidence of access to funds provided<br>Buyer Comment (2026-01-16): Your LAS report has reduced the [redacted] balance to $[redacted] the actual balance is $[redacted] Please refer to [redacted] guidelines. [redacted]-Asset Documentation - [redacted]th bullet point: Stocks/bonds/mutual funds - [redacted]% of account balance may be considered in the calculation of assets for closing costs, [redacted]% can be used for reserves. Using [redacted]% of this [redacted]k give us ample reserves. This rebuttal cleared the reserves on this loan for other exceptions. | 01/23/2026 |  |  | 1 A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxx | 2126977 | xxx |  | 35771442 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. | Right to Cancel Signature Date is missing. |  |  |  | Reviewer Comment (2026-01-07): Received<br>Buyer Comment (2026-01-05): Signed RTC at closing | 01/07/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission C | Non QM | Non QM | Yes |
| xxx | 2126977 | xxx |  | 35771443 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. | Right to Cancel Signature Date is missing. |  |  |  | Reviewer Comment (2026-01-07): Received<br>Buyer Comment (2026-01-05): Signed RTC | 01/07/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | Yes |
| xxx | 2126977 | xxx |  | 35771444 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  | Reviewer Comment (2026-01-07): Received Final [redacted] Exception Cleared.<br>Buyer Comment (2026-01-05): Final [redacted] signed at closing | 01/07/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| xxx | 2126977 | xxx |  | 35771446 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[redacted] Provide updated policy reflecting minimum coverage of $[redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2026-01-07): Received LOE for Replacement cost. Exception Cleared.<br>Buyer Comment (2026-01-05): Email from insurance agent confirming policy includes replacement cost on the dwelling. | 01/07/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| xxx | 2126971 | xxx |  | 35771448 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank [redacted]): Safe Harbor requirements not satisfied. | Missing appraisal transfer letter, document labeled as Transfer letter is the Appraiser Certification |  |  |  | Reviewer Comment (2026-01-13): Lender acknowledges this is Grade [redacted] and elects to waive<br>Buyer Comment (2026-01-09): Please waive as level [redacted]<br>Buyer Comment (2026-01-09): Lender excepts finding, pls clr |  |  | 01/13/2026 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxx | 2126971 | xxx |  | 35771453 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Lender's approval was not provided in file. |  |  |  | Reviewer Comment (2026-01-09): Approval document received, exception cleared.<br>Buyer Comment (2026-01-07): ATTACHED | 01/09/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxx | 2126968 | xxx |  | 35771460 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Appraisal Revision completed [redacted], less than [redacted] business days from Note date. |  |  |  | Reviewer Comment (2026-01-06): Lender waived with compensating factors.<br>Buyer Comment (2026-01-05): We will accept and waive this grade [redacted] for appraisal delivery to close out. |  |  | 01/06/2026 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| xxx | 2126974 | xxx |  | 35771468 |  | 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. | No Cure Provided |  |  |  | Reviewer Comment (2026-01-05): Sufficient Cure Provided At Closing |  | 01/05/2026 |  | 1 A |  | CA | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| xxx | 2126974 | xxx |  | 35771469 |  | 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. | No Cure Provided |  |  |  | Reviewer Comment (2026-01-05): Sufficient Cure Provided At Closing |  | 01/05/2026 |  | 1 A |  | CA | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| xxx | 2126974 | xxx |  | 35771471 |  | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Valuation Error: APN Number not provided. |  |  |  |  |  | Reviewer Comment (2026-01-22): received<br>Buyer Comment (2026-01-21): Appraisal updated with APN# | 01/22/2026 |  |  | 1 B A |  | CA | Second Home | Purchase | C B A | Non QM | Non QM | No |
| xxx | 2126974 | xxx |  | 35771472 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] calendar days of the Note. |  |  | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted]<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-01-22): Client used post VOE and applied compensating factors.<br>Buyer Comment (2026-01-16): Post-closing VVOE for borrower, same job, request downgrade to a [redacted] and close out. |  |  | 01/22/2026 | 2 C B |  | CA | Second Home | Purchase | C B A | Non QM | Non QM | No |
| xxx | 2126975 | xxx |  | 35771474 |  | 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. | No Cure provided |  |  |  | Reviewer Comment (2026-01-05): Sufficient Cure Provided At Closing |  | 01/05/2026 |  | 1 A |  | CA | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| xxx | 2126990 | xxx |  | 35771479 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender allowed the vesting of [redacted]nd home in the name of LLC | Borrower has verified disposable income of at least $[redacted]<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2026-01-08): Lender exception approval in file |  |  | 01/08/2026 | 2 B |  | FL | Second Home | Purchase | B A | Non QM | Non QM | No |
| xxx | 2126991 | xxx |  | 35771495 |  | Credit | Loan Package Documentation | Closing / Title | Collateral | Security Instrument is not signed by borrower(s). |  | The provided Security Instrument has not been signed by the borrower's, and the notary page for the signatures is blank. Please provide a fully executed Security Instrument with a fully completed notary page. |  |  |  | Reviewer Comment (2026-01-23): Received executed Security Instrument with Notary date, Exception Cleared.<br>Buyer Comment (2026-01-20): See attached Signed and dated security instrument<br>Buyer Comment (2026-01-20): See attached signed and notarized security instrument | 01/23/2026 |  |  | 1 C A |  | FL | Primary | Purchase | D A C | Non QM | Non QM | No |
| xxx | 2126991 | xxx |  | 35771496 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  | The [redacted]'s in the loan file are not signed by any parties. Please provide a fully executed initial and final [redacted] |  |  |  | Reviewer Comment (2026-01-23): Received final [redacted] executed by borrower, Exception Cleared.<br>Buyer Comment (2026-01-20): Signed final [redacted]<br>Buyer Comment (2026-01-20): See attached signed final [redacted] | 01/23/2026 |  |  | 1 C A |  | FL | Primary | Purchase | D A C | Non QM | Non QM | No |
| xxx | 2126991 | xxx |  | 35771497 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | Executed Original Note not evidenced in file. |  |  |  | Reviewer Comment (2026-01-23): Received executed Original Note from borrower, Exception Cleared.<br>Buyer Comment (2026-01-20): Please see attached final signed note | 01/23/2026 |  |  | 1 D A |  | FL | Primary | Purchase | D A C | Non QM | Non QM | No |
| xxx | 2126991 | xxx |  | 35771498 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD1 |  | Please provide an executed final Closing Disclosure. |  |  |  | Reviewer Comment (2026-01-23): Received signed and executed Closing Disclosure (CD), exception cleared<br>Buyer Comment (2026-01-20): See attached CD and settlement statement | 01/23/2026 |  |  | 1 D A |  | FL | Primary | Purchase | D A C | Non QM | Non QM | No |
| xxx | 2126991 | xxx |  | 35771501 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Closing Disclosure not provided to Borrower within [redacted] business days prior to closing. |  |  |  | Reviewer Comment (2026-01-21): [redacted] received disclosure tracking for ICD.<br>Buyer Comment (2026-01-20): See initial CD [redacted] and proof of delivery | 01/21/2026 |  |  | 1 C A |  | FL | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| xxx | 2126991 | xxx |  | 35771502 |  | 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. | LE not received within [redacted] days prior to Closing |  |  |  | Reviewer Comment (2026-01-21): [redacted] received disclosure tracking for ILE.<br>Buyer Comment (2026-01-20): Revised LE dated [redacted] received by bwr on [redacted]/[redacted] | 01/21/2026 |  |  | 1 C A |  | FL | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| xxx | 2131430 | xxx |  | 35851241 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | Appraisal and CDA: Address reflects Street vs. Avenue |  |  |  | Reviewer Comment (2026-01-14): Corrected CDA provided<br>Buyer Comment (2026-01-14): Appraisal - AVE<br>Buyer Comment (2026-01-14): CDA<br>Reviewer Comment (2025-12-22): Received updated appraisal. CDA provided still reflects Street vs Avenue.<br>Buyer Comment (2025-12-18): CDA Revised<br>Buyer Comment (2025-12-18): Revised Appraisal for Address<br>Buyer Comment (2025-12-18): See Revised<br>Reviewer Comment (2025-12-15): The same document was provided that was in file at time of review. Per the original condition: Appraisal and CDA: Address reflects Street vs. Avenue<br>Buyer Comment (2025-12-15): CDA Uploaded<br>Buyer Comment (2025-12-15): CDA | 01/14/2026 |  |  | 1 C A |  | MA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| xxx | 2131430 | xxx |  | 35851242 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | HO[redacted] and Blanket: City reflects [redacted] vs. [redacted] |  |  |  | Reviewer Comment (2026-02-04): Updated blanket provided<br>Buyer Comment (2026-02-03): HOI<br>Buyer Comment (2026-02-03): BOTH INSURANCE<br>Reviewer Comment (2026-02-03): The document provided, that was highlighted, is the HO6 policy. The Blanket HOI needs to be corrected.<br>Buyer Comment (2026-02-03): See highlighted<br>Reviewer Comment (2026-02-03): Updated HO6 was provided. Pending receipt of updated blanket HOI.<br>Buyer Comment (2026-02-03): Updated [redacted]Page<br>Reviewer Comment (2026-02-03): Corrected HO6 provided. Pending receipt of corrected Blanket.<br>Buyer Comment (2026-02-02): see attached<br>Reviewer Comment (2026-01-12): The same HO6 was provided that was in file at time of review. Please review original condition. HO6 and Blanket: City reflects [redacted]vs. [redacted]<br>Buyer Comment (2026-01-12): see attached | 02/04/2026 |  |  | 1 C A |  | MA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| xxx | 2131430 | xxx |  | 35851243 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Page [redacted] of the appraisal reflects Vacant, however the [redacted] reflects a current lease term and amount through [redacted]/[redacted] Provide the updated appraisal. |  |  |  | Reviewer Comment (2026-02-06): Updated appraisal and [redacted] provided<br>Buyer Comment (2026-02-05): See revised appraisal<br>Reviewer Comment (2026-02-03): The same appraisal was provided that was in file at time of review. Page [redacted] of the appraisal reflects Vacant, however the [redacted] reflects a current lease term and amount through [redacted]/[redacted] Provide the updated appraisal.<br>Buyer Comment (2026-01-26): Appraisal<br>Buyer Comment (2026-01-26): Updated Appraisal - shows as vacant<br>Reviewer Comment (2025-12-26): Exception is not for appraisal address. The appraisal indicates the property as vacant; however, form [redacted] reflects an active lease with a term through [redacted] and a monthly rent of $[redacted] Please provide an updated appraisal to reflect tenant occupied. Exception remains.<br>Buyer Comment (2025-12-23): Appraisal - Address updated | 02/06/2026 |  |  | 1 D A |  | MA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| xxx | 2131430 | xxx |  | 35851245 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor concentration [redacted]%. [redacted] reflects and exception was granted. Provide the approved exception form with comp factors. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. |  | SitusAMC | Reviewer Comment (2025-12-22): Client elects to waive with verified compensation factors<br>Buyer Comment (2025-12-19): See attached Exception |  |  | 12/22/2025 | 2 C B |  | MA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| xxx | 2131430 | xxx |  | 35851246 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Single Entity ownership [redacted]%. [redacted] reflects and exception was granted. Provide the approved exception form with comp factors. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. |  | SitusAMC | Reviewer Comment (2026-01-12): Client elects to waive with verified compensation factors<br>Buyer Comment (2026-01-12): see attached<br>Reviewer Comment (2026-01-07): The exception must be granted by [redacted]with verified compensation factors.<br>Buyer Comment (2026-01-07): See Investor exception for this property.<br>Buyer Comment (2026-01-07): See Investor exception for the property<br>Reviewer Comment (2025-12-22): The exception provided is for investor concentration only which is a separate exception from single entity ownership. [redacted]Entity ownership is for the number of borrower owned units in the complex vs total units in complex. Investor concentration is the number of investment owned units in complex vs OO/second home units in the total complex.<br>Buyer Comment (2025-12-19): Exception<br>Buyer Comment (2025-12-19): See attached |  |  | 01/12/2026 | 2 C B |  | MA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| xxx | 2131430 | xxx |  | 35851247 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | DSCR > [redacted] | SitusAMC<br>SitusAMC,Aggregator | Reviewer Comment (2026-01-15): Client elects to waive with verified compensation factors<br>Buyer Comment (2026-01-15): see attached<br>Reviewer Comment (2026-01-12): The section attached is not in the guidelines provided for review for Investor Advantage. HOA questionnaire is a guideline requirement. If unable to obtain, client can elect to waive to an EV2/B with verified compensation factors.<br>Buyer Comment (2026-01-12): see attached<br>Reviewer Comment (2026-01-08): All exceptions from come from [redacted].<br>Buyer Comment (2026-01-08): See uploaded exception<br>Reviewer Comment (2025-12-22): HOA questionnaire is a guideline requirement. If unable to obtain, client can elect to waive to an EV2/B with verified compensation factors.<br>Buyer Comment (2025-12-19): There is currently [redacted] tenant. We are not able to get one. Please review the appraisal and advise. |  |  | 01/15/2026 | 2 C B |  | MA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| xxx | 2131430 | xxx |  | 35851248 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | HOA Budget must include a dedicated line-item allocation to replacement reserves of at least [redacted]% of the budget. Exceptions can be considered if the reserve study and current "Reserve balance sheet" shows an excessive of reserves collected. Budget not provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | DSCR > [redacted] | SitusAMC<br>SitusAMC,Aggregator | Reviewer Comment (2026-02-03): Client elects to waive with verified compensation factors<br>Buyer Comment (2026-01-30): see attached<br>Reviewer Comment (2026-01-15): The client exception provided does not cover this exception which is for HOA budget.<br>Buyer Comment (2026-01-15): see attached<br>Reviewer Comment (2026-01-12): The section attached is not in the guidelines provided for review for [redacted] [redacted]. Budget is a guideline requirement. If unable to obtain, client can elect to waive to an EV2/B with verified compensation factors.<br>Buyer Comment (2026-01-12): see attached<br>Reviewer Comment (2026-01-08): All exceptions from come from [redacted]. In additional the screenshot does not cover the budget.<br>Buyer Comment (2026-01-08): See exception |  |  | 02/03/2026 | 2 C B D |  | MA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| xxx | 2131430 | xxx |  | 35851249 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2026-01-12): Lender attestation provided<br>Buyer Comment (2026-01-12): see attached<br>Reviewer Comment (2026-01-08): All exceptions from come from [redacted]. In addition, this is a condition for a lender attestation confirming condo is warrantable.<br>Buyer Comment (2026-01-08): See attached | 01/12/2026 |  |  | 1 C A |  | MA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| xxx | 2131432 | xxx |  | 35851250 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception approval is provided to allow short term rental without [redacted] months lookback. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | DSCR > [redacted] | SitusAMC<br>SitusAMC,Aggregator | Reviewer Comment (2025-12-05): Client elects to waive with verified compensation factors |  |  | 12/05/2025 | 2 B |  | FL | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| xxx | 2131432 | xxx |  | 35851252 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide evidence the primary residence on [redacted] is free and clear. |  |  |  | Reviewer Comment (2026-02-13): Received and associated updated [redacted] Exception cleared.<br>Buyer Comment (2026-02-11): see attached<br>Reviewer Comment (2026-02-11): The Form [redacted] received is not executed. Please provide the corrected and fully executed final [redacted] Exception remains.<br>Buyer Comment (2026-02-07): see attached<br>Reviewer Comment (2026-02-06): Lender exception provided for credit documents, however the REO section of the [redacted] still needs to be updated with [redacted]Ave as primary vs investment. Once the [redacted] is received, condition can be waived.<br>Buyer Comment (2026-02-05): see attached<br>Reviewer Comment (2026-01-21): Borrower LOE provided stating correct primary is [redacted] Ave as well as addressing address on license. Mortgage for property is on the credit report. The [redacted] provided in trailing documents, however, REO section still reflects [redacted] Ave as an investment. In addition, all credit documents were run with a primary on Commerce and cannot be updated. [redacted] will need to consider granting an exception for this.<br>Buyer Comment (2026-01-21): see attached<br>Reviewer Comment (2026-01-12): An unexecuted [redacted] is not acceptable. The updated [redacted] was provided with a new primary address which conflicts with the mailing address certification which reflects the property on Commerce as well as all credit documents were run with a primary on Commerce. Also, driver's license has a property on [redacted] which also matches the mailing address for the mortgage statement for the lien on Peoples [redacted] which is tied to the address on [redacted] Ave per the updated [redacted] Borrower's LOE will be required as to which is the true primary address and address all the discrepancies in documents.<br>Buyer Comment (2026-01-09): Wrong property entered- | 02/13/2026 |  |  | 1 C A D |  | FL | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| xxx | 2131432 | xxx |  | 35851253 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Provided the deed transferring the property to the [redacted]. |  |  |  | Reviewer Comment (2026-01-13): Deed provided<br>Buyer Comment (2026-01-13): see attached | 01/13/2026 |  |  | 1 D A |  | FL | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| xxx | 2131432 | xxx |  | 35851254 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Max for STR | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | DSCR > [redacted] | SitusAMC<br>SitusAMC,Aggregator | Reviewer Comment (2026-01-21): Client elect to waive with verified compensation factors<br>Buyer Comment (2026-01-21): see attached |  |  | 01/21/2026 | 2 C B |  | FL | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| xxx | 2131434 | xxx |  | 35851256 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The appraisal in file has a completion date post-close. Provide the pre-close appraisal. (Effective date is when appraiser is assigned ; completion date is when report is finished). |  |  |  | Reviewer Comment (2026-01-06): Preclose appraisal provided<br>Buyer Comment (2025-12-29): Please review uploaded appraisal.<br>Buyer Comment (2025-12-29): Please confirm if the appraisal will need to be updated for the date after the revision.<br>Reviewer Comment (2025-12-16): The same appraisal was provided that was in file at time of review and on [redacted]/[redacted] Please see the original condition and comments from [redacted]/[redacted]: The appraisal in file has a completion date post-close. Provide the pre-close appraisal. (Effective date is when appraiser is assigned ; completion date is when report is finished). Loan closed [redacted]/[redacted] Appraisal completion date [redacted]/[redacted]<br>Buyer Comment (2025-12-16): Please see attached appraisal<br>Reviewer Comment (2025-12-15): The same appraisal was provided that was in file at time of review. Please see the original condition. The appraisal in file has a completion date post-close. Provide the pre-close appraisal. (Effective date is when appraiser is assigned ; completion date is when report is finished). Loan closed [redacted]/[redacted] Appraisal completion date [redacted]/[redacted]<br>Buyer Comment (2025-12-15): Appraisal - Clear condition | 01/06/2026 |  |  | 1 D A |  | AL | Investment | Purchase | D A |  | N/A | No |
| xxx | 2131428 | xxx |  | 35851284 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Missing signed and/or stamped Final Settlement Statement from the sale of the previous primary residence. |  |  |  | Reviewer Comment (2025-12-09): CD from refinance of REO provided<br>Buyer Comment (2025-12-09): see attached CD - refi w/ [redacted]on prop | 12/09/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| xxx | 2131428 | xxx |  | 35851286 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2025-12-09): CD from refinance of REO provided.<br>Buyer Comment (2025-12-09): see attached | 12/09/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| xxx | 2131428 | xxx |  | 35851287 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to excessive DTI |  |  |  | Reviewer Comment (2026-01-28): Per client attesation, departing residence bridge loan does not need to be included in DTI. Provided closing package for departing residence, evidence listed on the [redacted], and [redacted] guidelines. Requested removal of debt and clearance. DTI is [redacted]%.<br>Reviewer Comment (2026-01-13): The document provided is just a listing agreement to list the property. It is not a purchase contract, therefore the property is not pending sale. Further, the Note was not provided to support the lien taken out was a bridge loan.<br>Reviewer Comment (2026-01-05): The CD provided reflects the property was refinanced vs sold. There isn't a Note provided to support this is a bridge loan nor evidence that the property is pending sale.<br>Buyer Comment (2026-01-02): [redacted] did the bridge financing for that property and due to the pending sale of that home it should not be included in the DTI for the new home.<br>Reviewer Comment (2025-12-09): Per the CD provided post review, the borrower did not sell their property on [redacted] but refinanced it. Debt added to ratios.<br>Buyer Comment (2025-12-09): see attached | 01/28/2026 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| xxx | 2131428 | xxx |  | 35851288 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Due to excessive DTI |  |  |  | Reviewer Comment (2026-01-28): Per client attesation, departing residence bridge loan does not need to be included in DTI. Provided closing package for departing residence, evidence listed on the [redacted], and [redacted] guidelines. Requested removal of debt and clearance. DTI is [redacted]%.<br>Reviewer Comment (2026-01-13): The document provided is just a listing agreement to list the property. It is not a purchase contract, therefore the property is not pending sale. Further, the Note was not provided to support the lien taken out was a bridge loan.<br>Reviewer Comment (2026-01-05): The CD provided reflects the property was refinanced vs sold. There isn't a Note provided to support this is a bridge loan nor evidence that the property is pending sale.<br>Buyer Comment (2026-01-02): [redacted] did the bridge financing for that property and due to the pending sale of that home it should not be included in the DTI for the new home.<br>Reviewer Comment (2025-12-09): Per the CD provided post review, the borrower did not sell their property on [redacted] but refinanced it. Debt added to ratios.<br>Buyer Comment (2025-12-09): see attached | 01/28/2026 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| xxx | 2131428 | xxx |  | 35851289 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] exceeds tolerance of $[redacted] Insufficient or no cure was provided to the borrower. | [redacted] percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] exceeds tolerance of $[redacted] Insufficient or no cure was provided to the borrower |  |  |  | Reviewer Comment (2026-02-08): [redacted] received Valid COC dated [redacted].<br>Buyer Comment (2026-02-06): Please rush! Thank you!<br>Reviewer Comment (2026-01-30): [redacted] received CD dated [redacted]/[redacted] and rate lock history showing lock extended on [redacted]; however, there is no CD within [redacted] days of change dated [redacted]/[redacted] available in file. Please provide corresponding CD dated within [redacted] days of the lock extension.<br>Buyer Comment (2026-01-29): see attached. The [redacted]/[redacted] CD is the final CD that was signed with loan documents<br>Reviewer Comment (2026-01-20): [redacted] received rate lock showing lock extended on [redacted]; however, lender credit decreased on CD dated [redacted] which is not within [redacted] days of the change. Please provide corresponding CD dated within [redacted] days of the lock extension.<br>Buyer Comment (2026-01-20): see attached<br>Reviewer Comment (2026-01-05): [redacted] received Changed Circumstance dated [redacted], but it does not give sufficient information on why the lender credit fee was decreased. In order to determine if the changed circumstance is valid more information is necessary on reason fee decreased and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2026-01-02): see attached | 02/08/2026 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| xxx | 2131428 | xxx |  | 35851291 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Per the CD provided post review, the borrower did not sell their property on [redacted] but refinanced it. Debt added to ratios. |  |  |  | Reviewer Comment (2026-01-28): Per client attesation, departing residence bridge loan does not need to be included in DTI. Provided closing package for departing residence, evidence listed on the [redacted], and [redacted] guidelines. Requested removal of debt and clearance. DTI is [redacted]%.<br>Reviewer Comment (2026-01-13): The document provided is just a listing agreement to list the property. It is not a purchase contract, therefore the property is not pending sale. Further, the Note was not provided to support the lien taken out was a bridge loan.<br>Reviewer Comment (2026-01-05): The CD provided reflects the property was refinanced vs sold. There isn't a Note provided to support this is a bridge loan nor evidence that the property is pending sale.<br>Buyer Comment (2026-01-02): [redacted] did the bridge financing for that property and due to the pending sale of that home it should not be included in the DTI for the new home. | 01/28/2026 |  |  | 1 A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| xxx | 2131428 | xxx |  | 35851292 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted](c)([redacted]) of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV[redacted]-B.) | Per the CD provided post review, the borrower did not sell their property on [redacted] but refinanced it. Debt added to ratios. |  |  |  | Reviewer Comment (2026-01-28): Per client attesation, departing residence bridge loan does not need to be included in DTI. Provided closing package for departing residence, evidence listed on the [redacted], and [redacted] guidelines. Requested removal of debt and clearance. DTI is [redacted]%.<br>Reviewer Comment (2026-01-13): The document provided is just a listing agreement to list the property. It is not a purchase contract, therefore the property is not pending sale. Further, the Note was not provided to support the lien taken out was a bridge loan.<br>Reviewer Comment (2026-01-05): The CD provided reflects the property was refinanced vs sold. There isn't a Note provided to support this is a bridge loan nor evidence that the property is pending sale.<br>Buyer Comment (2026-01-02): [redacted]did the bridge financing for that property and due to the pending sale of that home it should not be included in the DTI for the new home. | 01/28/2026 |  |  | 1 A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| xxx | 2131428 | xxx |  | 35851293 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Per the CD provided post review, the borrower did not sell their property on [redacted] but refinanced it. Provide the updated [redacted]/[redacted] adding debt into ratios. |  |  |  | Reviewer Comment (2026-01-28): Per client attesation, departing residence bridge loan does not need to be included in DTI. Provided closing package for departing residence, evidence listed on the [redacted], and [redacted] guidelines. Requested removal of debt and clearance.<br>Reviewer Comment (2026-01-13): The document provided is just a listing agreement to list the property. It is not a purchase contract, therefore the property is not pending sale. Further, the Note was not provided to support the lien taken out was a bridge loan.<br>Buyer Comment (2026-01-12): see attached<br>Reviewer Comment (2026-01-05): The CD provided reflects the property was refinanced vs sold. There isn't a Note provided to support this is a bridge loan nor evidence that the property is pending sale.<br>Buyer Comment (2026-01-02): [redacted]did the bridge financing for that property and due to the pending sale of that home it should not be included in the DTI for the new home. | 01/28/2026 |  |  | 1 A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| xxx | 2131428 | xxx |  | 35851294 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Investor Qualifying Residual income discrepancy. |  | Per the CD provided post review, the borrower did not sell their property on [redacted] but refinanced it. Provide the updated [redacted]/[redacted] adding debt into ratios. |  |  |  | Reviewer Comment (2026-01-28): Per client attesation, departing residence bridge loan does not need to be included in DTI. Provided closing package for departing residence, evidence listed on the [redacted], and [redacted] guidelines. Requested removal of debt and clearance. Residual income $[redacted]<br>Reviewer Comment (2026-01-13): The document provided is just a listing agreement to list the property. It is not a purchase contract, therefore the property is not pending sale. Further, the Note was not provided to support the lien taken out was a bridge loan.<br>Reviewer Comment (2026-01-05): The CD provided reflects the property was refinanced vs sold. There isn't a Note provided to support this is a bridge loan nor evidence that the property is pending sale.<br>Buyer Comment (2026-01-02): [redacted] did the bridge financing for that property and due to the pending sale of that home it should not be included in the DTI for the new home. | 01/28/2026 |  |  | 1 A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| xxx | 2131431 | xxx |  | 35851296 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | A letter from a CPA must be obtained verifying that the withdrawal of funds for the transaction will not have a negative impact on the business. If a CPA letter is not provided, a cash flow analysis of the business assets and liabilities (balance sheet) must be completed by the client to determine if the withdrawal of funds from the business is acceptable. (Needed for reserves). |  |  |  | Reviewer Comment (2026-01-13): Cash flow analysis provided<br>Buyer Comment (2026-01-12): Cash flow analysis | 01/13/2026 |  |  | 1 C A |  | HI | Investment | Refinance - Cash-out - Other | D A C | N/A | N/A | No |
| xxx | 2131431 | xxx |  | 35851297 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD1 |  | Estimate settlement statement only provided |  |  |  | Reviewer Comment (2026-01-12): Final stamped settlement statement provided<br>Buyer Comment (2026-01-12): see attached | 01/12/2026 |  |  | 1 D A |  | HI | Investment | Refinance - Cash-out - Other | D A C | N/A | N/A | No |
| xxx | 2131431 | xxx |  | 35851299 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | [redacted]) Provide the second lien mortgage statements for [redacted] and [redacted]. [redacted]) Provide HOA documents or proof no HOA dues for all listed properties |  |  |  | Reviewer Comment (2026-02-16): LOE provided by borrower verifying the properties noted on [redacted]/[redacted] remaining documentation are not properties with HOA.<br>Reviewer Comment (2026-02-16): Pending evidence of HOA for: [redacted] [redacted][redacted] - Escrowed Unit [redacted]-, [redacted][redacted] , [redacted][redacted]<br>Buyer Comment (2026-02-16): see attached<br>Reviewer Comment (2026-02-16): Please provide the Mortgage Statement, Closing Disclosure or First payment letter for REO property's [redacted][redacted] , ". confirming the P&I amount of $[redacted]'. Exception remains.<br>Reviewer Comment (2026-02-16): Received documents page [redacted] ([redacted]) document is not showing property address. Still, we require HOA documents or proof of no HOA dues for all listed REO properties "Address: [redacted][redacted] , Address: [redacted] , Address: [redacted] . Exception remains.<br>Buyer Comment (2026-02-15): HOA docs<br>Reviewer Comment (2026-02-09): Still, we require HOA documents or proof of no HOA dues for all listed REO properties "Address: [redacted][redacted] , Address: [redacted] , Address: [redacted] , Address: [redacted][redacted] , Address: [redacted] . Exception remains.<br>Buyer Comment (2026-02-05): Attached<br>Reviewer Comment (2026-01-27): Please Provide HOA documents or proof of no HOA dues for all listed REO properties "Address: [redacted] Address: [redacted] , Address: [redacted] [redacted] - Escrowed Unit [redacted]-[redacted], Address: [redacted][redacted] - [redacted], Address: [redacted] , Address: [redacted] Address: [redacted][redacted], Address: [redacted] . Exception remains.<br>Buyer Comment (2026-01-25): see attached<br>Reviewer Comment (2026-01-14): Required proof of HOA dues for all listed properties. Exception Remains.<br>Buyer Comment (2026-01-12): REO closed Concurrently<br>Buyer Comment (2026-01-12): See attached | 02/16/2026 |  |  | 1 C A |  | HI | Investment | Refinance - Cash-out - Other | D A C | N/A | N/A | No |
| xxx | 2131431 | xxx |  | 35851300 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Concurrent closings with properties located at [redacted], [redacted], Unit [redacted] [redacted], and [redacted]. Provide the Final CD / First Payment Letter to verity the new PITIA. Debt to be updated. |  |  |  | Reviewer Comment (2026-01-14): Received Closing Statement and [redacted]payment Letter. Exception Cleared.<br>Buyer Comment (2026-01-12): see attached | 01/14/2026 |  |  | 1 A |  | HI | Investment | Refinance - Cash-out - Other | D A C | N/A | N/A | No |
| xxx | 2131433 | xxx |  | 35851326 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Account Months Verified is less than [redacted] months. |  |  |  | Reviewer Comment (2026-02-06): Removed accounts. Not needed to qualify.<br>Buyer Comment (2026-02-06): Please see the attached Bank Statements | 02/06/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| xxx | 2131433 | xxx |  | 35851331 |  | 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] Sufficien |  |  |  | Reviewer Comment (2025-12-22): Sufficient Cure Provided At Closing |  | 12/22/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| xxx | 2133267 | xxx |  | 35869523 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2026-01-09): FTP provided | 01/09/2026 |  |  | 1 A |  | HI | Investment | Refinance - Cash-out - Other | D A C | N/A | N/A | No |
| xxx | 2133267 | xxx |  | 35869524 |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2026-01-09): FTP provided<br>Buyer Comment (2026-01-09): See uploaded<br>Buyer Comment (2026-01-09): See Final title | 01/09/2026 |  |  | 1 C A |  | HI | Investment | Refinance - Cash-out - Other | D A C | N/A | N/A | No |
| xxx | 2133267 | xxx |  | 35869525 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD1 |  | The final settlement statement is not signed stamped certified |  |  |  | Reviewer Comment (2026-01-12): Final stamped settlement statement provided<br>Buyer Comment (2026-01-12): See final Settlement<br>Reviewer Comment (2026-01-09): Please provide the final stamped settlement statement once received.<br>Buyer Comment (2026-01-09): Ordered | 01/12/2026 |  |  | 1 D A |  | HI | Investment | Refinance - Cash-out - Other | D A C | N/A | N/A | No |
| xxx | 2133267 | xxx |  | 35869526 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Address: [redacted] - Unit [redacted], Address: [redacted]- Unit [redacted], Address: [redacted]- Unit [redacted], Address: [redacted]- Unit [redacted], Address: [redacted] - Unit [redacted], Address: [redacted] - Unit [redacted], Address: [redacted] - Unit [redacted], Address: [redacted] [redacted] - Escrowed Unit [redacted]-[redacted], Address: [redacted][redacted] - Unit [redacted], Address: [redacted][redacted] - Escrowed Unit [redacted], Address: [redacted] - Unit [redacted]<br>[redacted]) Provide the mortgage statements for mortgages on [redacted] and [redacted]. [redacted]) Provide HOA documents or proof of no HOA dues for all listed properties. |  |  |  | Reviewer Comment (2026-02-18): Received and associated HOA documents or proof of no HOA dues for all listed properties. Exception cleared.<br>Buyer Comment (2026-02-18): HOAs and Property Profiles<br>Buyer Comment (2026-02-18): REO - HOA and Property Profiles<br>Buyer Comment (2026-02-18): [redacted] MTG<br>Buyer Comment (2026-02-17): Please note all appraisals that have been uploaded to a number of loans show if there is an HOA or not.<br>Buyer Comment (2026-02-17): [redacted][redacted]<br>Buyer Comment (2026-02-17): [redacted][redacted] HOA<br>Buyer Comment (2026-02-17): [redacted]<br>Buyer Comment (2026-02-17): see attached<br>Reviewer Comment (2026-02-16): Still, we require HOA documents or proof of no HOA dues for all listed REO properties Address: [redacted] - Unit [redacted], Address: [redacted][redacted] - Unit [redacted], and Please provide the Mortgage Statement, Closing Disclosure or First payment letter for REO property's [redacted]- [redacted]". confirming the P&I amount of $[redacted]'. Exception remains.<br>Buyer Comment (2026-02-15): HOA docs<br>Buyer Comment (2026-02-15): All [redacted] First Payment Letters, please clear<br>Buyer Comment (2026-02-12): [redacted] HOA<br>Buyer Comment (2026-02-12): [redacted][redacted]<br>Buyer Comment (2026-02-12): All of the appraisals submitted show whether there is an HOA as well as the REO docs submitted and show the HOA or lack thereof. There are submitted property profiles as well that either confirm or do not show HOA.<br>Buyer Comment (2026-02-12): [redacted] Unit [redacted]<br>Buyer Comment (2026-02-12): [redacted][redacted] - [redacted]<br>Buyer Comment (2026-02-12): [redacted]- Unit[redacted]<br>Buyer Comment (2026-02-12): [redacted][redacted],Unit<br>Buyer Comment (2026-02-12): [redacted] - Unit [redacted]<br>Buyer Comment (2026-02-12): [redacted]<br>Buyer Comment (2026-02-12): [redacted][redacted] - Unit [redacted]<br>Buyer Comment (2026-02-12): [redacted] [redacted] - [redacted]' confirming the P&I amount of $[redacted] REO property<br>Buyer Comment (2026-02-12): All the REO docs are in the file we uploaded to this site. I am uploading them again.<br>Reviewer Comment (2026-01-28): Received same documents which were available in file. Please provide the Mortgage Statements for REO property's '[redacted] [redacted] - [redacted]' confirming the P&I amount of $[redacted] REO property "[redacted][redacted] - Escrowed #[redacted]-[redacted]", confirming the P&I amount of $[redacted] and REO property "[redacted][redacted] - [redacted]". confirming the P&I amount of $[redacted]'. Exception remains.<br>Reviewer Comment (2026-01-28): Please Provide HOA documents or proof of no HOA dues for all listed REO properties" Address: [redacted][redacted] - Unit [redacted], Address: [redacted] - Unit [redacted], Address: [redacted] - Unit [redacted], Address: Address: [redacted] - Unit [redacted], Address: [redacted] - Unit [redacted], Address: [redacted][redacted] - Escrowed Unit [redacted]-[redacted], Address: [redacted][redacted] - Unit [redacted], Address: [redacted][redacted]. Address: [redacted] . Address: [redacted] -[redacted]. Exception remains.<br>Buyer Comment (2026-01-25): see attached<br>Reviewer Comment (2026-01-22): Please Provide HOA documents or proof of no HOA dues for all listed REO properties" [redacted]- Unit [redacted], Address: [redacted][redacted] - Unit [redacted], Address: [redacted] - Unit [redacted], Address: [redacted] - Unit [redacted], Address: [redacted] - Unit [redacted], Address: [redacted] - Unit [redacted], Address: [redacted] - Unit [redacted], Address: [redacted][redacted] - Escrowed Unit [redacted]-[redacted], Address: [redacted][redacted] - Unit [redacted], Address: [redacted][redacted] - Escrowed Unit [redacted]", Exception remains.<br>Reviewer Comment (2026-01-22): Please provide the Mortgage Statements for REO property's '[redacted] [redacted] - [redacted]' confirming the P&I amount of $[redacted] REO property "[redacted] [redacted] - Escrowed #[redacted]-[redacted]", confirming the P&I amount of $[redacted] and REO property "[redacted][redacted] - [redacted]". confirming the P&I amount of $[redacted]'. Exception remains.<br>Buyer Comment (2026-01-20): Please detail the needs, all I see are primarily addressed<br> This is all I see you need.<br> Provide the mortgage statements for mortgages on [redacted]. <br> [redacted]) Provide HOA documents or proof of no HOA dues for all listed properties. <br> Please confirm thse statements and HOA existence are all that is pending.<br>Reviewer Comment (2026-01-13): Received same documents which were available in file. "Address: [redacted] - Unit [redacted], Address: [redacted][redacted]. - Unit [redacted], Address: [redacted] - Unit [redacted], Address: [redacted] - Unit [redacted], Address: [redacted] - Unit [redacted], Address: [redacted]- Unit [redacted], Address: [redacted]- Unit [redacted], Address: [redacted] [redacted] - Escrowed Unit [redacted]-[redacted], Address: [redacted][redacted]- Unit [redacted], Address: [redacted][redacted] - Escrowed Unit [redacted], Address: [redacted] - Unit [redacted]. Provide the mortgage statements for mortgages on [redacted] and [redacted]. [redacted]) Provide HOA documents or proof of no HOA dues for all listed properties. [redacted]) Provide HOA documents or proof of no HOA dues for all listed properties. Exception remains.<br>Buyer Comment (2026-01-09): REO DOCS | 02/18/2026 |  |  | 1 C A |  | HI | Investment | Refinance - Cash-out - Other | D A C | N/A | N/A | No |
| xxx | 2133267 | xxx |  | 35869528 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Concurrent closings with properties located at [redacted], Unit [redacted] [redacted], [redacted] and [redacted]. Provide the Final CD / First Payment Letter to verity the new PITIA. Debt to be updated. |  |  |  | Reviewer Comment (2026-02-16): Received and associated First Payment Letter for [redacted], Unit [redacted] [redacted] [redacted] and [redacted] Exception cleared.<br>Buyer Comment (2026-02-15): All [redacted] First Payment Letters, please clear<br>Buyer Comment (2026-02-12): first Payment Letter and Settlement Statement<br>Buyer Comment (2026-02-12): [redacted], [redacted]<br>Buyer Comment (2026-02-12): Settlement and [redacted]st Payment Letter for [redacted] #[redacted]<br>Buyer Comment (2026-02-12): [redacted] Settlement and Payment Letter<br>Buyer Comment (2026-02-12): [redacted] Settlement shows FINAL and is signed.<br>Reviewer Comment (2026-01-13): Received same documents which were available in file. "[redacted] Unit [redacted] [redacted], [redacted] and [redacted]. Provide the Final CD / First Payment Letter to verity the new PITIA. Debt to be updated. Exception remains.<br>Buyer Comment (2026-01-09): REO CLOSING<br>Buyer Comment (2026-01-09): See attached<br>Buyer Comment (2026-01-09): Closing docs<br>Buyer Comment (2026-01-09): [redacted] Closing | 02/16/2026 |  |  | 1 A |  | HI | Investment | Refinance - Cash-out - Other | D A C | N/A | N/A | No |
| xxx | 2133269 | xxx |  | 35869534 |  | 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 Origination Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change, and no evidence of tolerance of cure was in the file. |  |  |  | Reviewer Comment (2026-02-13): [redacted] received valid changed circumstance and explanation.<br>Reviewer Comment (2026-02-09): [redacted] received CD and COC. However, the COC provided doesn't specify the reason as to why the loan origination increased. Kindly provide additional comment for the fee added or cure due to borrower. Cure documents consist of post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2026-02-06): COC and CD attached | 02/13/2026 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| xxx | 2133269 | xxx |  | 35869535 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] exceeds tolerance of $[redacted] Insufficient or no cure was provided to the borrower. | [redacted] Final CD reduced lender credits from $[redacted] to $[redacted] Missing a valid changed circumstance or cure. |  |  |  | Reviewer Comment (2026-02-13): COC provided | 02/13/2026 |  |  | 1 A |  | SC | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| xxx | 2133266 | xxx |  | 35869536 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Concurrent closing. Provide the final CD to verify new PITIA / First payment letter. |  |  |  | Reviewer Comment (2026-01-27): CD and first payment letter provided<br>Buyer Comment (2026-01-26): see attached | 01/27/2026 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | D A | N/A | N/A | No |
| xxx | 2133266 | xxx |  | 35869537 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Concurrent closing. Provide the final CD to verify new PITIA / First payment letter. |  |  |  | Reviewer Comment (2026-01-27): CD and first payment letter provided<br>Buyer Comment (2026-01-26): see attached | 01/27/2026 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | D A | N/A | N/A | No |
| xxx | 2133266 | xxx |  | 35869538 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Concurrent closing. Provide the final CD to verify new PITIA / First payment letter. |  |  |  | Reviewer Comment (2026-02-06): Final settlement statement and first payment letter provided<br>Buyer Comment (2026-02-05): [redacted] first payment letter<br>Reviewer Comment (2026-01-27): CD and first payment letter provided #[redacted] but not for #[redacted]<br>Buyer Comment (2026-01-26): see attached | 02/06/2026 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | D A | N/A | N/A | No |
| xxx | 2133266 | xxx |  | 35869539 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Concurrent closing. Provide the final CD to verify new PITIA / First payment letter. |  |  |  | Reviewer Comment (2026-02-06): Final settlement statement and first payment letter provided<br>Buyer Comment (2026-02-05): This is the same as the last condition on the list.<br>Buyer Comment (2026-02-05): Attached | 02/06/2026 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | D A | N/A | N/A | No |
| xxx | 2133266 | xxx |  | 35869541 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide a copy of the borrower's unexpired VISA as required per guidelines. |  |  |  | Reviewer Comment (2026-02-06): Guidelines allow a VISA or I[redacted] with valid expiration dates or I[redacted] I[redacted] provided.<br>Reviewer Comment (2026-02-05): Condition is not incorrect. Per the approval, loan was reviewed to foreign national guidelines and borrower is living and working overseas. Guidelines for [redacted]require a VISA for [redacted].<br>Buyer Comment (2026-02-05): This borrower is a non-perm resident alien and has their EAD and supplement docs in the file. This condition is wrong.<br>Reviewer Comment (2026-01-27): The same documents were provided that were in file at time of review. The borrower is working and living overseas and is considered a [redacted]and qualified as such. A copy of the unexpired VISA is required for [redacted].<br>Buyer Comment (2026-01-26): see attached | 02/06/2026 |  |  | 1 C A D |  | WA | Investment | Refinance - Cash-out - Other | D A | N/A | N/A | No |
| xxx | 2133266 | xxx |  | 35869542 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Employer to be independently verified (via [redacted], [redacted], [redacted], or other means of verification) |  |  |  | Reviewer Comment (2026-02-05): Employer search provided<br>Buyer Comment (2026-02-05): Attached | 02/05/2026 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | D A | N/A | N/A | No |
| xxx | 2133266 | xxx |  | 35869544 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2026-02-19): Evidence provided [redacted] has no property taxes as well a search indicates HOI is offered but not required as well as property is free and clear.<br>Buyer Comment (2026-02-17): see attached | 02/19/2026 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | D A | N/A | N/A | No |
| xxx | 2133265 | xxx |  | 35869545 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Concurrent closing. Provide the final CD to verify new PITIA / First payment letter. |  |  |  | Reviewer Comment (2026-01-27): CD and first payment letter provided<br>Buyer Comment (2026-01-26): see attached | 01/27/2026 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | D A | N/A | N/A | No |
| xxx | 2133265 | xxx |  | 35869546 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Concurrent closing. Provide the final CD to verify new PITIA / First payment letter. |  |  |  | Reviewer Comment (2026-01-27): CD and first payment letter provided<br>Buyer Comment (2026-01-26): see attached | 01/27/2026 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | D A | N/A | N/A | No |
| xxx | 2133265 | xxx |  | 35869547 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Concurrent closing. Provide the final CD to verify new PITIA / First payment letter. |  |  |  | Reviewer Comment (2026-01-27): CD and first payment letter provided<br>Buyer Comment (2026-01-26): see attached | 01/27/2026 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | D A | N/A | N/A | No |
| xxx | 2133265 | xxx |  | 35869548 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Concurrent closing. Provide the final CD to verify new PITIA / First payment letter. |  |  |  | Reviewer Comment (2026-01-27): CD and first payment letter provided<br>Buyer Comment (2026-01-26): see attached | 01/27/2026 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | D A | N/A | N/A | No |
| xxx | 2133265 | xxx |  | 35869549 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Concurrent closing. Provide the final CD to verify new PITIA / First payment letter. |  |  |  | Reviewer Comment (2026-01-27): CD and first payment letter provided<br>Buyer Comment (2026-01-26): see attached | 01/27/2026 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | D A | N/A | N/A | No |
| xxx | 2133265 | xxx |  | 35869551 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD1 |  | Estimate only in file |  |  |  | Reviewer Comment (2026-02-05): Final stamped settlement statement provided<br>Buyer Comment (2026-02-05): Attached | 02/05/2026 |  |  | 1 D A |  | WA | Investment | Refinance - Cash-out - Other | D A | N/A | N/A | No |
| xxx | 2133265 | xxx |  | 35869554 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2026-02-19): Evidence provided [redacted] has no property taxes as well as a search indicates HOI is offered by not required as well as property is free and clear.<br>Buyer Comment (2026-02-19): see attached<br>Reviewer Comment (2026-02-05): The document provided is evidence of free and clear. Evidence of taxes or HOI, if applicable are not provided on this document.<br>Buyer Comment (2026-02-05): Same as below<br>Buyer Comment (2026-02-05): Attached | 02/19/2026 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | D A | N/A | N/A | No |
| xxx | 2133265 | xxx |  | 35869555 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide a copy of the borrower's unexpired VISA as required per guidelines. |  |  |  | Reviewer Comment (2026-02-06): Guidelines allow a VISA or I[redacted] with valid expiration dates or I[redacted] I[redacted] provided.<br>Reviewer Comment (2026-02-05): Condition cannot be removed. Per the approval, loan was reviewed to foreign national guidelines and borrower is living and working overseas. Guidelines for [redacted] require a VISA for [redacted].<br>Buyer Comment (2026-02-05): Non-perm this should be removed. EAD in stack | 02/06/2026 |  |  | 1 C A D |  | WA | Investment | Refinance - Cash-out - Other | D A | N/A | N/A | No |
| xxx | 2133270 | xxx |  | 35869572 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2026-02-10): Lender attestation provided verifying warrantable condo.<br>Buyer Comment (2026-02-10): see attached<br>Reviewer Comment (2026-02-06): The same questionnaire was provided that was in file at time of review. The lender must provide an attestation as to if the condo is warrantable or not.<br>Buyer Comment (2026-02-05): Questionnaire attached. | 02/10/2026 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
| xxx | 2133270 | xxx |  | 35869573 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Unit number is missing |  |  |  | Reviewer Comment (2026-02-06): Updated flood cert provided<br>Buyer Comment (2026-02-05): attached | 02/06/2026 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
| xxx | 2133270 | xxx |  | 35869574 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | CDA: Unit number is missing |  |  |  | Reviewer Comment (2025-12-30): New CDA provided with updated address. Value supported.<br>Buyer Comment (2025-12-26): See attached | 12/30/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
| xxx | 2132175 | xxx |  | 35947090 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The [redacted] were not found in the file. |  |  |  | Reviewer Comment (2026-01-28): Received [redacted] [redacted] and [redacted] [redacted]-C. Exception cleared.<br>Buyer Comment (2026-01-26): [redacted] | 01/28/2026 |  |  | 1 C A |  | CA | Investment | Purchase | C A | Exempt from ATR | N/A | No |
| xxx | 2132175 | xxx |  | 35947092 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Borrower's [redacted]'s were not found in the file. The verbal VOE within [redacted] business days of closing was not found in the file. |  |  |  | Reviewer Comment (2026-02-02): Received executed [redacted] Exception cleared.<br>Buyer Comment (2026-01-29): permitted SE VVOE<br>Reviewer Comment (2026-01-28): Please provide VOE for [redacted] business within [redacted] business days form closing, Exception remains.<br>Buyer Comment (2026-01-26): see attached [redacted]<br>Reviewer Comment (2026-01-26): Require [redacted]-C of borrower, Exception remains<br>Buyer Comment (2026-01-22): VVOE | 02/02/2026 |  |  | 1 C A |  | CA | Investment | Purchase | C A | Exempt from ATR | N/A | No |
| xxx | 2132175 | xxx |  | 35947093 |  | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. |  | Telephone Listing / Internet Search document date is not verified. |  |  |  | Reviewer Comment (2026-02-02): Received TPV of employment. Exception cleared.<br>Buyer Comment (2026-01-29): see attached SE VVOE | 02/02/2026 |  |  | 1 A |  | CA | Investment | Purchase | C A | Exempt from ATR | N/A | No |
| xxx | 2132205 | xxx |  | 35947096 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to allow for a transferred appraisal with no [redacted]. | The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC | Reviewer Comment (2025-11-12): Waived with compensating factors per lender exception approval at origination. |  |  | 11/12/2025 | 2 B |  | CO | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| xxx | 2132205 | xxx |  | 35947097 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Security Instrument is missing the notary's commission expiration date. |  |  |  | Reviewer Comment (2025-11-19): Corrected Sec Inst.<br>Buyer Comment (2025-11-17): [redacted]/[redacted]-Please see attached | 11/19/2025 |  |  | 1 C A |  | CO | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| xxx | 2132205 | xxx |  | 35947098 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The loan closed on [redacted], however, Settlement agent and borrower's signature on the Closing Statement is dated [redacted]. Provide a corrected closing statement. |  |  |  | Reviewer Comment (2025-11-19): Corrected and initialed HUD.<br>Buyer Comment (2025-11-17): [redacted]/[redacted]-Please see attached | 11/19/2025 |  |  | 1 C A |  | CO | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| xxx | 2132205 | xxx |  | 35947099 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | UW discretion required for borrower living rent free with someone other than a spouse. |  |  |  | Reviewer Comment (2025-11-19): UW comments on [redacted]<br>Buyer Comment (2025-11-17): [redacted]/[redacted]-Please see attached | 11/19/2025 |  |  | 1 C A |  | CO | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| xxx | 2132208 | xxx |  | 35947101 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | It appears as if borrower lives rent-free with spouse, however, the file did not contain a letter of explanation; UW discretion must also be provided. |  |  |  | Reviewer Comment (2025-11-20): Updated [redacted] received with UW discretion for borrower living rent free along with rent free letter. Exception Cleared.<br>Buyer Comment (2025-11-18): UW discretion<br>Buyer Comment (2025-11-18): rent free letter | 11/20/2025 |  |  | 1 C A |  | KY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2131520 | xxx |  | 35947103 |  | 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: ___ | Full Appraisal and Supporting Secondary Valuation CDA Provided in File. | The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC | Reviewer Comment (2025-12-02): Waived with compensating factors per client direction.<br>Buyer Comment (2025-12-01): Lender accepts. Please waive with available compensating factors |  |  | 12/02/2025 | 2 A B |  | CA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| xxx | 2132207 | xxx |  | 35947105 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Provide a company/LLC drafted Corporate Resolution granting signing authority to the Guarantor of this loan. If unable to provide, all owners of the LLC will be required to credit qualify. |  |  |  | Reviewer Comment (2025-12-09): Cleared with borrower certificate and credit memo.<br>Reviewer Comment (2025-12-05): Received credit memo with operating agreement guidelines. Provide a company/LLC drafted Corporate Resolution granting signing authority to the Guarantor of this loan. Exception remains.<br>Buyer Comment (2025-12-03): credit memo permitting Borrower's cert.<br>Reviewer Comment (2025-12-03): Provided document already in file. Require company/LLC drafted corporate resolution granting signing authority to the guarantor of this loan. Exception Remains.<br>Buyer Comment (2025-12-01): Borrower's cert | 12/09/2025 |  |  | 1 C A |  | AL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2131550 | xxx |  | 35947106 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Error: Citizenship Source Documentation was not provided |  | VISA or Passport is missing in the file |  |  |  | Reviewer Comment (2025-12-16): Document received. Exception Cleared<br>Buyer Comment (2025-12-12): Green card attached. Thank you.<br>Reviewer Comment (2025-12-09): Provided gift letter and exception is conditioned for Citizenship proof. Provide Permanent resident card for the borrower. Exception remains<br>Buyer Comment (2025-12-05): Please find gift letter attached. Thank you. | 12/16/2025 |  |  | 1 B A |  | CA | Investment | Purchase | C A |  | N/A | No |
| xxx | 2131550 | xxx |  | 35947108 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Missing final executed closing statement, estimate provided. |  |  |  | Reviewer Comment (2025-12-05): Received final closing statement. Exception cleared.<br>Buyer Comment (2025-12-03): Final HUD1 attached. Thank you. | 12/05/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
| xxx | 2131550 | xxx |  | 35947109 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  |  |  |  |  | Reviewer Comment (2025-12-16): Document received. Exception Cleared<br>Buyer Comment (2025-12-12): Please find green card attached. Thank you. | 12/16/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
| xxx | 2131550 | xxx |  | 35947110 |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Missing Gift letter for funds of $[redacted] Letter in the file states $[redacted] |  |  |  | Reviewer Comment (2025-12-09): Provided gift letter funds of $[redacted] Exception cleared.<br>Buyer Comment (2025-12-05): See gift letter attached. Thank you. | 12/09/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
| xxx | 2131544 | xxx |  | 35947132 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  |  |  | Reviewer Comment (2026-01-07): Received borrowing certificate. Exception Cleared.<br>Buyer Comment (2026-01-05): Borrowing Cert | 01/07/2026 |  |  | 1 C A |  | CT | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2131544 | xxx |  | 35947133 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  | Reviewer Comment (2026-01-07): Received borrowing certificate. Exception Cleared.<br>Buyer Comment (2026-01-05): see attached Borrower cert | 01/07/2026 |  |  | 1 C A |  | CT | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2131501 | xxx |  | 35947142 |  | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | Borrower lives rent free with spouse, but the file is missing a letter of explanation from Spouse disclosing the borrower lives rent-free. The letter in file was written by the borrower. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[redacted]<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Debt Service Coverage Ratio: [redacted]<br> Guideline Requirement: [redacted]<br>Loan to Value: [redacted]%<br> Guideline Maximum Loan to Value: [redacted]%<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-01-02): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2025-12-30): Please find exception attached. Thank you. |  |  | 01/02/2026 | 2 C B |  | CO | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| xxx | 2131537 | xxx |  | 35947147 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Hazard Insurance reflects property zip code as "[redacted][redacted]" but note document reflects zip code as "[redacted][redacted]". | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Seasoned Borrower/Investor whose experience exceeds [redacted] completed projects.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-12-31): Waived with compensating factors per client direction. |  |  | 12/31/2025 | 2 C B |  | TN | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| xxx | 2131537 | xxx |  | 35947148 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood Certificate reflects property zip code as "[redacted][redacted]" but note document reflects zip code as "[redacted][redacted]". | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Seasoned Borrower/Investor whose experience exceeds [redacted] completed projects.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-12-31): Waived with compensating factors per client direction. |  |  | 12/31/2025 | 2 C B |  | TN | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| xxx | 2131518 | xxx |  | 35947163 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | Liens and judgements are required to be paid off. |  |  |  | Reviewer Comment (2026-01-07): Judgments are paid off, exception cleared.<br>Buyer Comment (2026-01-05): Please find confirmation both judgements paid. Thank you. | 01/07/2026 |  |  | 1 B A |  | NY | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| xxx | 2131531 | xxx |  | 35947166 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The asset/income documentation does not show the borrower(s) at an address different than the subject property and thus casts doubt on the business purpose of the loan. |  | Bank statements showed the same address as subject property. Borrower lived at this address prior to renting current residence [redacted] months ago. |  |  |  | Reviewer Comment (2026-01-16): Letter of explanation verifying the address discrepancy. Also, have letter from current landlord verifying the borrower lives at a different address than the subject. Also have bank statements showing monthly rents paid to the landlord.<br>Reviewer Comment (2026-01-16): Received letter of explanation for address variance as per which borrower has lived at subject property from [redacted] to [redacted] Available bank statement is of later period which is [redacted] to [redacted]. Require further clarification. Exception remains.<br>Buyer Comment (2026-01-14): address variance loe | 01/16/2026 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2131531 | xxx |  | 35947167 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The ID documentation (license, passport, Visa) does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | Borrower's drivers license showed the same address as subject property. Borrower lived at this address prior to renting current residence [redacted] months ago. |  |  |  | Reviewer Comment (2026-01-07): Current license issued prior to subject loan closing. Appraisal reflects tenant occupied and fraud report reflects borrower at current primary and not our subject property.<br>Buyer Comment (2026-01-05): DL does not expire until [redacted]/[redacted] Will not be updated with new address until license is expired. DL was issued prior to Borrower moving. | 01/07/2026 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2131512 | xxx |  | 35947169 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD1 |  | Estimated Provided |  |  |  | Reviewer Comment (2026-01-08): Received final closing statement. Exception cleared.<br>Buyer Comment (2026-01-06): Please find the attached HUD1 | 01/08/2026 |  |  | 1 D A |  | CA | Investment | Purchase | D A |  | N/A | No |
| xxx | 2131525 | xxx |  | 35947171 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing verification of current mortgage statement |  |  |  | Reviewer Comment (2026-01-09): Received verification of mortgage for subject property. Exception cleared.<br>Buyer Comment (2026-01-07): VOM | 01/09/2026 |  |  | 1 C A D |  | NC | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| xxx | 2131541 | xxx |  | 35947174 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  | Certificate of Non-Owner Occupied disclosure is missing signature page. |  |  |  | Reviewer Comment (2026-01-08): Provided Certificate of Non-Owner occupancy. Exception cleared.<br>Buyer Comment (2026-01-06): Non-Owner | 01/08/2026 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2131507 | xxx |  | 35947180 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | Lender approved exception at origination with compensating factor of reserves. Exception not to pay judgement, per judgement hold this is expired and unenforceable and the creditor is no longer accepting payment (email is in the file). | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Reserves: [redacted]<br> Guideline Requirement: [redacted] | Originator Pre-Close,SitusAMC | Reviewer Comment (2026-01-05): Waived with compensating factors per lender exceptions approval at origination. |  |  | 01/05/2026 | 2 B |  | AZ | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| xxx | 2131530 | xxx |  | 35947182 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | File is missing verification of [redacted] & [redacted] [redacted] primary housing payment. |  |  |  | Reviewer Comment (2026-01-14): Missing evidence of the [redacted] payment being paid. Lender confirmed the [redacted]x[redacted] which is permitted.<br>Reviewer Comment (2026-01-12): Received mortgage statement document. Require Cancelled checks or bank statements to verify the subject's payment history for the month of [redacted] and [redacted] The Exception Remains.<br>Buyer Comment (2026-01-08): [redacted] payment | 01/14/2026 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2131510 | xxx |  | 35947183 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2026-01-15): Received Title Final. Exception Cleared. | 01/15/2026 |  |  | 1 A |  | CO | Investment | Purchase | C A |  | N/A | No |
| xxx | 2131510 | xxx |  | 35947184 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | There are [redacted] liens reporting on title. Provide evidence all liens were paid at closing and will not impact final title. |  |  |  | Reviewer Comment (2026-01-15): Received Title Final. Exception Cleared.<br>Buyer Comment (2026-01-13): final title | 01/15/2026 |  |  | 1 C A |  | CO | Investment | Purchase | C A |  | N/A | No |
| xxx | 2131524 | xxx |  | 35947188 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | All liens must be paid in full at or prior to closing. |  |  |  | Reviewer Comment (2026-01-12): Received letter from [redacted] stating that according to their records borrower does not have a lien associated with the [redacted] address. Cleared<br>Buyer Comment (2026-01-08): [redacted]/[redacted]-Please see attached | 01/12/2026 |  |  | 1 B A |  | GA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2131524 | xxx |  | 35947189 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Fraud report reflects that the primary residence was purchased on [redacted] and [redacted] states the borrowers have owned it for [redacted] years and [redacted] months. File is missing complete [redacted] month housing history with a full [redacted] month payment history for primary residence. |  |  |  | Reviewer Comment (2026-02-04): Received Updated [redacted] Borrower have owned it for [redacted] months. Exception Cleared.<br>Buyer Comment (2026-02-02): Please see attached revised [redacted] Thank you. | 02/04/2026 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2131508 | xxx |  | 35947191 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing OFAC for the Trust. |  |  |  | Reviewer Comment (2026-01-13): Provided OFAC search of the borrowing trust. Exception cleared.<br>Buyer Comment (2026-01-09): fraud summary | 01/13/2026 |  |  | 1 C A |  | ID | Investment | Purchase | C A |  | N/A | No |
| xxx | 2132155 | xxx |  | 35947200 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2026-01-23): Secondary valuation received and verified the details. Exception Cleared.<br>Buyer Comment (2026-01-21): CDA | 01/23/2026 |  |  | 1 D A |  | FL | Investment | Purchase | D A |  | N/A | No |
| xxx | 2132168 | xxx |  | 35947206 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | UW discretion for borrower living rent free is required. |  |  |  | Reviewer Comment (2026-01-27): Updated [redacted] received with underwriter discretion for Borrower is living rent free along with rent free letter. Exception Cleared.<br>Buyer Comment (2026-01-23): UW discretion | 01/27/2026 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2132168 | xxx |  | 35947207 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | [redacted] reflects borrower rented for past [redacted] months. Letter of explanation in file states that he resided rent free with family since [redacted]. Provide either a corrected [redacted] with accurate housing information or letter of explanation from borrower for the discrepancy. |  |  |  | Reviewer Comment (2026-02-12): Received updated [redacted] with accurate housing information. Exception Cleared.<br>Buyer Comment (2026-02-10): revised [redacted] | 02/12/2026 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2132177 | xxx |  | 35947209 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Provide OFAC for the borrowing Trust. |  |  |  | Reviewer Comment (2026-02-03): Received clear OFAC search for borrowing Trust. Exception cleared.<br>Buyer Comment (2026-01-30): Please find clear OFAC attached. Thank you. | 02/03/2026 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2132169 | xxx |  | 35947211 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. |  | Provide a letter of explanation for the subject property listing. |  |  |  | Reviewer Comment (2026-01-29): Received LOX subject property listing. Exception Cleared.<br>Buyer Comment (2026-01-27): loe listing | 01/29/2026 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2132194 | xxx |  | 35947218 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | File is missing final signed and dated HUD1/Settlement Statement. |  |  |  | Reviewer Comment (2026-02-03): Received Final Closing Statement with the stamp in the file. Exception Cleared.<br>Buyer Comment (2026-01-30): See HUD1 attached. Thank you. | 02/03/2026 |  |  | 1 C A |  | AZ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2132194 | xxx |  | 35947219 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is currently living rent free with someone other than a spouse. This does not meet the guidelines. File is missing underwriter discretion documentation allowing for guideline exception. |  |  |  | Reviewer Comment (2026-02-03): Received UW discretion in the file for borrower living rent free with someone. Exception Cleared<br>Buyer Comment (2026-01-30): Please see attached final UW [redacted] with rent free comments. Thank you. | 02/03/2026 |  |  | 1 C A |  | AZ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2132186 | xxx |  | 35947221 |  | 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. |  | Final Title policy is missing in loan file |  |  |  | Reviewer Comment (2026-02-02): Received supplemental report in the amount of $[redacted] Exception cleared.<br>Buyer Comment (2026-01-29): Please find title report attached.<br>Buyer Comment (2026-01-29): See title attached & supplement<br>Buyer Comment (2026-01-29): Please find title report & supplement reflecting the loan amount attached. Thank you. | 02/02/2026 |  |  | 1 B A |  | CA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| xxx | 2132197 | xxx |  | 35947223 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Flood insurance coverage amount is insufficient. |  |  |  |  |  | Reviewer Comment (2026-02-13): Updated Flood Insurance document received and now coverage is sufficient. Exception Cleared.<br>Buyer Comment (2026-02-11): flood insurance | 02/13/2026 |  |  | 1 C A |  | WI | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2132179 | xxx |  | 35947229 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided |  |  |  |  |  | Reviewer Comment (2026-02-04): Received guaranty agreement with spouse signature. Exception cleared.<br>Buyer Comment (2026-02-02): guaranty | 02/04/2026 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2132179 | xxx |  | 35947230 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing OFAC for business entity. |  |  |  | Reviewer Comment (2026-02-02): OFAC for business entity located in fraud report. Exception cleared<br>Buyer Comment (2026-01-29): [redacted] pg [redacted] reports the business entity | 02/02/2026 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2132179 | xxx |  | 35947231 |  | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. |  |  |  |  |  | Reviewer Comment (2026-02-04): Received guaranty agreement with spouse signature. Exception cleared.<br>Buyer Comment (2026-02-02): see attached guaranty | 02/04/2026 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2132162 | xxx |  | 35947233 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Missing final closing statement. |  |  |  | Reviewer Comment (2026-02-03): Received Final Closing Statement with the stamp in the file. Exception Cleared.<br>Buyer Comment (2026-01-30): See final HUD1 attached. Thank you. | 02/03/2026 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| xxx | 2132184 | xxx |  | 35947239 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC is required for all parties involved in the transaction - business entity is missing. |  |  |  | Reviewer Comment (2026-02-03): Received OFAC for the business entity in the file. Exception Cleared.<br>Buyer Comment (2026-01-30): [redacted]/[redacted]-Please see attached | 02/03/2026 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| xxx | 2132184 | xxx |  | 35947240 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  |  |  |  |  | Reviewer Comment (2026-02-03): Received Non-Owner Occupancy Declaration with Section [redacted]A is reflecting the principal residence address. Exception Cleared.<br>Buyer Comment (2026-01-30): [redacted]/[redacted]-Please see attached | 02/03/2026 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| xxx | 2132185 | xxx |  | 35947243 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The lender exception requested for residential expenses budget [redacted] reflected reserves of [redacted]%, which fell short of the [redacted]% requirement. No balance sheet available. The exception is approved with compensating factors are [redacted] months additional reserves and equal to $[redacted]M and DSCR Ratio more than [redacted]%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Reserves: [redacted]<br> Guideline Requirement: [redacted] | Originator Pre-Close,SitusAMC | Reviewer Comment (2026-02-12): Waived with compensating factors per lender exception approval at origination.<br>Reviewer Comment (2026-02-12): Client waived in error without compensating factors.<br>Buyer Comment (2026-02-04): Exception provided in original upload to [redacted]. Please clear or advise what further documentation needs to be provided. Thanks so much. |  |  | 02/12/2026 | 2 C B |  | FL | Investment | Purchase | C B A |  | N/A | No |
| xxx | 2132164 | xxx |  | 35947245 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | Certificate of Non-Owner Occupied disclosure does not show the borrower's principle address. |  |  |  | Reviewer Comment (2026-02-10): Certificate of Non-Owner-Occupied disclosure received. Exception cleared.<br>Buyer Comment (2026-02-06): [redacted]/[redacted]-Please see attached | 02/10/2026 |  |  | 1 C A |  | MO | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2132189 | xxx |  | 35947248 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | Borrowers' address are not provided on Certificate of Non-Owner Occupy. |  |  |  | Reviewer Comment (2026-02-09): Received Occupancy certificate with borrowers' address. Exception Cleared.<br>Buyer Comment (2026-02-05): Non-Owner | 02/09/2026 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2132167 | xxx |  | 35947254 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. The Appraisal is dated more than [redacted] months prior to the note date. |  | Provided Appraisal is greater than [redacted] Days from the Note Date, Provide updated appraisal. |  |  |  | Reviewer Comment (2026-02-09): Received revised appraisal with effective date [redacted]. Exception cleared.<br>Buyer Comment (2026-02-05): revised appraisal<br>Buyer Comment (2026-02-05): see attached appraisal | 02/09/2026 |  |  | 1 D A |  | CA | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| xxx | 2132167 | xxx |  | 35947255 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: [redacted] |  | Provided Appraisal is greater than [redacted] Days from the Note Date, Provide updated appraisal. |  |  |  | Reviewer Comment (2026-02-09): Received revised appraisal with effective date [redacted]. Exception cleared.<br>Buyer Comment (2026-02-05): appraisal | 02/09/2026 |  |  | 1 D A |  | CA | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| xxx | 2132167 | xxx |  | 35947256 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit |  | Provided Appraisal is greater than [redacted] Days from the Note Date, Provide updated appraisal. |  |  |  | Reviewer Comment (2026-02-09): Received revised appraisal with effective date [redacted]. Exception cleared.<br>Buyer Comment (2026-02-05): see attached appraisal | 02/09/2026 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| xxx | 2132167 | xxx |  | 35947257 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide UW discretion for borrower living rent free with non spouse. |  |  |  | Reviewer Comment (2026-02-05): Received UW discretion for borrower living rent free. Exception cleared.<br>Buyer Comment (2026-02-03): uw discretion | 02/05/2026 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| xxx | 2132167 | xxx |  | 35947258 |  | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  | Received appraisal with effective date [redacted]. Provide updated CDA with appraisal effective date of [redacted]. |  |  |  | Reviewer Comment (2026-02-13): Received CDA with correct effective date. Exception Cleared.<br>Buyer Comment (2026-02-11): CDA | 02/13/2026 |  |  | 1 A |  | CA | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| xxx | 2132172 | xxx |  | 35947260 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing verification of borrower current Address. |  |  |  | Reviewer Comment (2026-02-05): Received Driver's License. Exception Cleared.<br>Buyer Comment (2026-02-03): See attached valid driver's license. Thank you. | 02/05/2026 |  |  | 1 C A D |  | CA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| xxx | 2132172 | xxx |  | 35947261 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD1 |  | Provide the final Closing Statement fully executed by the all parties or stamped true and certified. Copy provided is an estimated closing statement. |  |  |  | Reviewer Comment (2026-02-05): Received Closing Statement. Exception Cleared.<br>Buyer Comment (2026-02-03): See HUD1 attached. Thank you. | 02/05/2026 |  |  | 1 D A |  | CA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| xxx | 2132172 | xxx |  | 35947262 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | Tax liens are required to be paid at or prior to closing. The satisfaction document in the cannot be associated to the open tax lien. | The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC | Reviewer Comment (2026-02-12): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2026-02-10): Please find exception attached. Thank you.<br>Reviewer Comment (2026-02-05): Provided satisfaction of lien or judgment was already in file at initial review. The satisfaction document cannot be associated to the open tax lien. Exception Remains.<br>Buyer Comment (2026-02-03): See attached confirmation of release of lien. |  |  | 02/12/2026 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| xxx | 2132193 | xxx |  | 35947264 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide UW Discretion for borrower living rent free with non spouse. |  |  |  | Reviewer Comment (2026-02-09): Received UW discretion in the file for borrower living rent free with someone. Exception Cleared<br>Buyer Comment (2026-02-05): UW discretion | 02/09/2026 |  |  | 1 C A |  | VA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| xxx | 2132193 | xxx |  | 35947265 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD1 |  | Provide a final HUD/CS signed by all parties or stamped true and certified by title agent. |  |  |  | Reviewer Comment (2026-02-19): Received certified copy of closing statement. Exception cleared.<br>Buyer Comment (2026-02-17): Final SS<br>Reviewer Comment (2026-02-13): The provided closing statement is not executed. Also, on [redacted]st page it is mentioned only certified which does not look like stamped. Please provide final closing statement signed by all parties or stamped true and certified by title agent. Exception remains.<br>Buyer Comment (2026-02-11): Final SS | 02/19/2026 |  |  | 1 D A |  | VA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| xxx | 2126830 | xxx |  | 35966168 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | The Non-Owner Occupancy Declaration is incomplete as Section [redacted]A is missing the principal residence addresses. |  |  |  | Reviewer Comment (2025-09-25): NOO Cert.<br>Buyer Comment (2025-09-23): Please see attached form with section [redacted] completed. Thank you. | 09/25/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| xxx | 2126830 | xxx |  | 35966169 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Unable to determine ownership percentage for bank statement ending in [redacted] |  |  |  | Reviewer Comment (2025-10-21): Condition cleared per client request to use [redacted]/[redacted] guidelines, which do not require reserves, and account is not needed.<br>Buyer Comment (2025-10-21): Please see confirmation of ownership of funds previously sent to [redacted] to be cleared. Thank you.<br>Reviewer Comment (2025-10-03): [redacted] does not confirm ownership percentage.<br>Buyer Comment (2025-10-01): [redacted]<br>Buyer Comment (2025-10-01): PLEASE CLEAR THIS CONDITION BASED ON [redacted] GUDIELINES. THANK YOU.<br>Reviewer Comment (2025-09-25): Client requested loan be switched to new guidelines. See exception comments. Not required due to reserves are no longer required.<br>Buyer Comment (2025-09-23): Please find attached "[redacted]" "Articles of org" attached.<br>Buyer Comment (2025-09-23): Please find articles of organization attached. Thank you. | 10/21/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| xxx | 2126830 | xxx |  | 35966171 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide a [redacted] month rental history for [redacted] |  |  |  | Reviewer Comment (2025-10-23): VOR received<br>Buyer Comment (2025-10-21): Please see management co. VOR. Thank you. | 10/23/2025 |  |  | 1 A |  | FL | Investment | Purchase | C A |  | N/A | No |
| xxx | 2131440 | xxx |  | 35966173 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Minimum FICO for First time investor [redacted] Lender exception in file. Compensating Factors: DSCR and Reserves | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[redacted]<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Debt Service Coverage Ratio: [redacted]<br> Guideline Requirement: [redacted]<br>Reserves: [redacted]<br> Guideline Requirement: [redacted] | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (2025-09-15): Waived with compensating factors per lender exceptions approval at origination. |  |  | 09/15/2025 | 2 B |  | PA | Investment | Purchase | B A |  | N/A | No |
| xxx | 2129427 | xxx |  | 35966176 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Multi pack [redacted] loans.<br> compensating factor:<br> [redacted]DSCR > [redacted]<br> [redacted] >= [redacted] months addt'l Reserves and <= $[redacted]M | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[redacted]<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Debt Service Coverage Ratio: [redacted]<br> Guideline Requirement: [redacted]<br>Reserves: [redacted]<br> Guideline Requirement: [redacted] | Originator Pre-Close,SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-15): Waived with compensating factors per lender exceptions approval at origination. |  |  | 09/15/2025 | 2 B |  | NY | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| xxx | 2126821 | xxx |  | 35966179 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Condo/PUD warranty Form is Missing |  |  |  | Reviewer Comment (2025-10-01): Approval<br>Buyer Comment (2025-09-29): Please see [redacted]condo approval attached. Thank you. | 10/01/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| xxx | 2131450 | xxx |  | 35966181 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC is missing for the business entity. |  |  |  | Reviewer Comment (2025-09-24): OFAC on Fraud report.<br>Buyer Comment (2025-09-22): Clear OFAC attached for LLC. Thank you. | 09/24/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2131451 | xxx |  | 35966184 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide OFAC for borrowing entity using full name. [redacted]. |  |  |  | Reviewer Comment (2025-09-24): Cleared with Fraud Report.<br>Buyer Comment (2025-09-22): Updated [redacted]so "S" is included in the LLC name.<br>Reviewer Comment (2025-09-22): Need for [redacted] Need the "S" at the end of [redacted].<br>Buyer Comment (2025-09-18): Both [redacted] and [redacted] have [redacted] in the OFAC screening. | 09/24/2025 |  |  | 1 C A |  | MO | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| xxx | 2129437 | xxx |  | 35966194 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-10-23): Guaranty agreement received<br>Buyer Comment (2025-10-21): Executed Personal Guaranty attached. | 10/23/2025 |  |  | 1 D A |  | PA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| xxx | 2129437 | xxx |  | 35966195 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  |  |  |  | Reviewer Comment (2025-10-24): HOI with mortgagee clause received.<br>Buyer Comment (2025-10-24): Updated HOI for subject property attached.<br>Reviewer Comment (2025-10-23): Policy provided is not for our subject property. Address on HOI uploaded is on [redacted] and our subject property is on [redacted]<br>Buyer Comment (2025-10-21): Updated evidence of insurance reflecting [redacted] within mortgagee section attached. | 10/24/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| xxx | 2126801 | xxx |  | 35966203 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Missing Operating Agreement for the borrowing business entity. Agreement in the file is not the same as the borrowing entity. |  |  |  | Reviewer Comment (2025-11-05): O/A provided.<br>Buyer Comment (2025-11-03): operating agreement | 11/05/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2131458 | xxx |  | 35966205 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | UW discretion required for borrower living rent free with someone other than a spouse. |  |  |  | Reviewer Comment (2025-11-07): Updated [redacted] reflecting UW discretion received in trailing documents<br>Buyer Comment (2025-11-05): UW discretion | 11/07/2025 |  |  | 1 C A |  | MD | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2129414 | xxx |  | 35966207 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Provide OFAC for [redacted]. |  |  |  | Reviewer Comment (2025-11-07): Received OFAC<br>Buyer Comment (2025-11-05): Fraud report | 11/07/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2129414 | xxx |  | 35966208 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The operating agreement does not state an authorized signer. All entity owners must apply as a borrower and complete [redacted] as an individual applicant and credit qualify. | The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Originator,SitusAMC | Reviewer Comment (2026-02-09): Client provided credit memo updated guidelines to allow signing authority to be granted through separate documentation, which was provided. Exception cleared.<br>Reviewer Comment (2025-11-29): Waived with compensating factors per lender exception approval received post-closing.<br>Buyer Comment (2025-11-25): exception<br>Reviewer Comment (2025-11-12): The LLC Borrowing Certificate is not able to be used to clear this condition. Guidelines state that signing authority must be stated in the operating agreement.<br>Buyer Comment (2025-11-10): Per guidelines, Entity documents authorizing the guarantor to execute loan documents on behalf of the entity (e.g., Operating Agreement, Certificate of <br> Authorization, etc.). If not available, a Borrowing Certificate is required.<br>Reviewer Comment (2025-11-07): The LLC Borrowing Certificate is not able to be used to clear this condition. Guidelines state that signing authority must be stated in the operating agreement.<br>Buyer Comment (2025-11-05): LLC Borrowing Certificate | 02/09/2026 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2129414 | xxx |  | 35966209 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Missing for [redacted]. |  |  |  | Reviewer Comment (2025-11-07): Received COGS<br>Buyer Comment (2025-11-05): COGS | 11/07/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2129465 | xxx |  | 35966211 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC is required for all parties involved in the transaction. Business entity is missing. |  |  |  | Reviewer Comment (2025-11-23): OFAC for business entity received and verified the details. Exception Cleared.<br>Buyer Comment (2025-11-20): see attached<br>Reviewer Comment (2025-11-19): OFAC for the borrowing entity is required to contain the full name of the entity.<br>Buyer Comment (2025-11-17): See attached | 11/23/2025 |  |  | 1 C A |  | MN | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2129431 | xxx |  | 35966214 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide [redacted] month rent history for the primary residence. |  |  |  | Reviewer Comment (2025-11-14): Rent free letter provided in loan file. Exception cleared<br>Buyer Comment (2025-11-13): rent free | 11/14/2025 |  |  | 1 C A D |  | CA | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| xxx | 2129431 | xxx |  | 35966215 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Provide a fully executed Guaranty Agreement. Copy provided is unsigned. |  |  |  | Reviewer Comment (2025-11-20): Received Guarantor Agreement. Exception Cleared.<br>Buyer Comment (2025-11-18): Guaranty<br>Reviewer Comment (2025-11-14): Required complete copy of Guaranty agreement with signature and date is missing. Provided one is not guarantor individual who signed on note. Exception remains.<br>Buyer Comment (2025-11-13): Guaranty | 11/20/2025 |  |  | 1 D A |  | CA | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| xxx | 2129431 | xxx |  | 35966216 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD1 |  | Provide a final HUD/Closing Statement that is signed by the borrower or stamped true and certified by settlement agent. Copy provided in file is an estimate. |  |  |  | Reviewer Comment (2025-11-14): Document received and verified. Exception cleared<br>Buyer Comment (2025-11-13): final SS | 11/14/2025 |  |  | 1 D A |  | CA | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| xxx | 2129425 | xxx |  | 35966218 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | All Judgments and Liens must be paid in full at or prior to closing |  |  |  | Reviewer Comment (2025-11-14): [redacted] page [redacted] evidence that the case was closed for the judgement in the amount of $[redacted] on [redacted]. Exception Cleared.<br>Buyer Comment (2025-11-12): [redacted] page [redacted] evidences that the case was closed for the judgement in the amount of $[redacted] on [redacted]. | 11/14/2025 |  |  | 1 B A |  | MO | Investment | Purchase | B A |  | N/A | No |
| xxx | 2131449 | xxx |  | 35966220 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | UW discretion required for borrower living rent free with someone other than a spouse. |  |  |  | Reviewer Comment (2025-11-19): [redacted] comments.<br>Buyer Comment (2025-11-17): uw discretion | 11/19/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| xxx | 2129422 | xxx |  | 35966226 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | UW discretion required for borrower living rent free with someone other than a spouse. |  |  |  | Reviewer Comment (2025-11-20): Received [redacted] document with UW discretion comment. Letter of Explanation provided and verified Exception Cleared.<br>Buyer Comment (2025-11-18): uw discretion | 11/20/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| xxx | 2129413 | xxx |  | 35966228 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form [redacted]D/[redacted] was not provided. |  | There are [redacted]s provided but the final [redacted] dated [redacted] did not disclose the correct property address. Please provide an updated [redacted] with the correct address. |  |  |  | Reviewer Comment (2025-11-29): Received [redacted]<br>Buyer Comment (2025-11-25): [redacted]D<br>Reviewer Comment (2025-11-23): Received [redacted] report with "Effective date of original appraisal" as [redacted] and actual effective date of primary appraisal is [redacted]. Provide [redacted] report with correct Effective date of original appraisal. Exception remains.<br>Buyer Comment (2025-11-20): [redacted]D | 11/29/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2129413 | xxx |  | 35966229 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The operating agreement does not state an authorized signer, all entity owners must apply as a borrower and complete [redacted] as an individual applicant and credit qualify. | The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Originator,SitusAMC | Reviewer Comment (2026-02-09): Client provided credit memo updated guidelines to allow signing authority to be granted through separate documentation, which was provided. Exception cleared.<br>Reviewer Comment (2026-02-09): Reopened per client credit memo provided.<br>Reviewer Comment (2025-11-29): Waived with compensating factors per lender approved exception received in trailing docs.<br>Buyer Comment (2025-11-25): exception | 02/09/2026 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2126826 | xxx |  | 35966231 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | File is missing payment history for subject property. |  |  |  | Reviewer Comment (2025-11-26): Payment history for subject property received and verified the details. Exception Cleared.<br>Buyer Comment (2025-11-24): [redacted]/[redacted]-Please see attached<br>Reviewer Comment (2025-11-23): Provided verification of rent for primary residence which was provided in initial package. Require subject property payment history. Exception remains.<br>Buyer Comment (2025-11-20): [redacted]/[redacted]-Please see evidence of receipt for [redacted] payment<br>Buyer Comment (2025-11-20): [redacted]/[redacted]-Please see attached | 11/26/2025 |  |  | 1 C A |  | MT | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| xxx | 2126792 | xxx |  | 35966233 |  | 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: ___ |  | The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC | Reviewer Comment (2025-11-25): Waived with compensating factors at clients request.<br>Buyer Comment (2025-11-21): Lender accepts. Please waive with available compensating factors" |  |  | 11/25/2025 | 2 A B |  | IN | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| xxx | 2129466 | xxx |  | 35966235 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject |  |  |  | Reviewer Comment (2025-11-25): NOO Cert.<br>Buyer Comment (2025-11-21): Non-Owner | 11/25/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2129417 | xxx |  | 35966239 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The operating agreement does not state an authorized signer, all entity owners must apply as a borrower and complete [redacted] as an individual applicant and credit qualify. | The qualifying DSCR on the loan is greater than the guideline minimum. | The DSCR of [redacted] is greater than the minimum required DSCR of [redacted] | SitusAMC,Originator | Reviewer Comment (2026-02-09): Client provided credit memo updated guidelines to allow signing authority to be granted through separate documentation, which was provided. Exception cleared.<br>Reviewer Comment (2026-02-09): Reopened per client credit memo provided.<br>Reviewer Comment (2025-12-01): Waived with compensating factors per lender exception approval received in trailing documents.<br>Buyer Comment (2025-11-26): exception | 02/09/2026 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2129428 | xxx |  | 35966257 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Allow borrower paying rent in cash ($[redacted] per month) to private landlord with [redacted] months handwritten receipts, borrower rent paid in cash LOE, private VOR, and a lease agreement vs program requirement of a lease and most recent [redacted] months rent verification | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (2025-12-03): Waived with compensating factors per lender exceptions approval at origination. |  |  | 12/03/2025 | 2 B |  | FL | Investment | Purchase | B A |  | N/A | No |
| xxx | 2126797 | xxx |  | 35966259 |  | Credit | Credit | Credit Documentation | Credit | OFAC was not provided and is required. |  | Missing OFAC for the business entity. |  |  |  | Reviewer Comment (2025-12-10): OFAC<br>Buyer Comment (2025-12-08): Clear OFAC. Thank you. | 12/10/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2126816 | xxx |  | 35966261 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD1 |  | Estimated provided |  |  |  | Reviewer Comment (2025-12-09): Received Final Closing Statement. Exception Cleared.<br>Buyer Comment (2025-12-05): See attached Final ALTA settlement statement | 12/09/2025 |  |  | 1 D A |  | AZ | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| xxx | 2129415 | xxx |  | 35966264 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-12-16): Operating Agreement received. Exception Cleared<br>Buyer Comment (2025-12-12): OA | 12/16/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| xxx | 2129415 | xxx |  | 35966265 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Loan was approved with $[redacted] in Gift funds and Earnest Money Deposit of $[redacted] Loan file is missing sufficient documentation to support proof of funds, and evidence of receipt of funds for both Gift funds and Earnest Money Deposit. |  |  |  | Reviewer Comment (2026-02-11): Received Invoice. Exception Cleared.<br>Buyer Comment (2026-02-09): invoice paid by CC $[redacted]- additional $[redacted] was collected at closing per final SS<br>Reviewer Comment (2026-02-06): [redacted] are short by $[redacted] Provide verification of the HOI paid POC in amount of $[redacted]<br>Reviewer Comment (2026-02-06): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Documented qualifying Assets for Closing of $[redacted] is less than Cash From Borrower $[redacted]<br>Buyer Comment (2026-02-04): $[redacted] withdrawal from gift donor account.<br>Buyer Comment (2026-02-04): loe for gift funds<br>Buyer Comment (2026-02-04): official check<br>Buyer Comment (2026-02-04): withdrawal + $[redacted] gift for cashier check<br>Reviewer Comment (2026-01-27): The gift letter reflects a gift amount of $[redacted]; available wire confirmations total only $[redacted] ($[redacted] + $[redacted]). Provide documentation for the remaining $[redacted] to obtain the full gift amount. Exception remains<br>Buyer Comment (2026-01-23): $[redacted] wire<br>Reviewer Comment (2025-12-18): The official check provided is for $[redacted] (EMD). The gift amount verified is for $[redacted] which is only verified on HUD1 and the official check, wire confirmation, cashier's check paid to the title company is missing. Exception Remains<br>Buyer Comment (2025-12-16): gift funds were transferred at closing. Per guidelines, copy of official check provided is sufficient. When the funds are not transferred prior to settlement, the underwriter mustdocument that the donor gave the closing agent the gift funds in the form of a certified check, a cashier's check, or other official check (e.g., wire<br> confirmation). A prior to funding (PTF) condition to support that the gift shows on the Closing Disclosure (CD) or Settlement Statement.<br>Reviewer Comment (2025-12-16): Source of funds for gift funds in the amount of $[redacted] is still missing. Exception Remains<br>Buyer Comment (2025-12-12): EM cashier check | 02/11/2026 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| xxx | 2132428 | xxx |  | 35966269 |  | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  | Desk review does not match the appraisal. Effective date of final appraisal is [redacted]. Effective date of CDA is [redacted]. |  |  |  | Reviewer Comment (2025-12-31): Provided secondary valuation with effective date of [redacted]. Exception cleared.<br>Buyer Comment (2025-12-29): CDA<br>Reviewer Comment (2025-12-18): The appraisal with Doc ID [redacted] which is for the subject property is with the report date of [redacted] whereas the desk review provided is with a report date of [redacted] and effective date of [redacted] due to which the effective date of the desk review is not matching with the appraisal. Exception Remains<br>Buyer Comment (2025-12-16): [redacted] appraisal was for a different property and loan; it was sent by error. CDA [redacted] is reporting the accurate information for the appraisal [redacted] | 12/31/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| xxx | 2129420 | xxx |  | 35966273 |  | Credit | Credit | Credit Calculation / Analysis | Credit | Missing Document: Alternative Credit Documentation not provided |  | Missing rental history on primary residence from [redacted]. Lender exception was provided with verified compensating factors. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Originator Pre-Close,SitusAMC<br>SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (2025-12-24): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2025-12-22): rent statement<br>Buyer Comment (2025-12-22): exception |  |  | 12/24/2025 | 2 C B |  | NY | Investment | Purchase | C B A |  | N/A | No |
| xxx | 2129446 | xxx |  | 35966282 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | There are multiple judgments on title. Provide final title verifying the judgments have been removed and title is free and clear. |  |  |  | Reviewer Comment (2026-01-09): Received final title which is free and clear. Exception cleared.<br>Buyer Comment (2026-01-07): final | 01/09/2026 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2126825 | xxx |  | 35966289 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unable to verify mortgage payment history for the subject property. Please provide a verification of rent from [redacted], bank statements, canceled checks, or a payment history disclosing timely payments. |  |  |  | Reviewer Comment (2026-01-14): Received letter of explanation from lender stating borrower can prepay $[redacted] any time as they are able and no need to pay off the loan now. Exception cleared.<br>Buyer Comment (2026-01-12): loe from note holder regarding payments<br>Reviewer Comment (2026-01-09): Note document indicates the [redacted]st payment date and maturity date. We are missing the proof or evidence of payment made till date. Exception Remains<br>Buyer Comment (2026-01-07): [redacted] [redacted] [redacted] is the date of the note. Per #[redacted] This note will be repaid in full on [redacted] [redacted]<br>Reviewer Comment (2026-01-07): Provided note shows unpaid principal amount to be paid off beginning on [redacted] [redacted] Provide verification of mortgage payment, bank statements, canceled checks, or a payment history disclosing timely payments. Exception remains<br>Buyer Comment (2026-01-05): Note- no payment due | 01/14/2026 |  |  | 1 C A |  | MS | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2126825 | xxx |  | 35966290 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | The Operating Agreement is undated and unsigned. Unable to verify the ownership of the business due to missing documentation. |  |  |  | Reviewer Comment (2026-01-07): Received operating agreement. Exception cleared.<br>Buyer Comment (2026-01-05): OA | 01/07/2026 |  |  | 1 C A |  | MS | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2126787 | xxx |  | 35966296 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Require assets for closing to cover cash from borrower is missing in the file. |  |  |  | Reviewer Comment (2026-01-07): Provided proof of appraisal paid invoice. Exception cleared.<br>Buyer Comment (2026-01-05): Please note HUD1 attached - Borrower received back $[redacted] back @ closing. Thank you. | 01/07/2026 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| xxx | 2126787 | xxx |  | 35966297 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unable to verify full [redacted] months' housing history for primary residence, as the rent-free letter in the file disclosed that borrower has been living with someone other than spouse for [redacted] months. Please provide bank statements, canceled checks, a payment history disclosing timely payments, or a letter from the property owner disclosing living status for [redacted] months. |  |  |  | Reviewer Comment (2026-01-07): Received Letter of Explanation for living rent free. Exception Cleared.<br>Buyer Comment (2026-01-05): Rent free loe confirming [redacted]mths. Thank you. | 01/07/2026 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| xxx | 2126785 | xxx |  | 35966299 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2026-01-02): Received Title Final with the policy coverage amount. Exception Cleared. | 01/02/2026 |  |  | 1 A |  | CA | Investment | Purchase | B A |  | N/A | No |
| xxx | 2126785 | xxx |  | 35966300 |  | 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 loan amount coverage is missing from the title. |  |  |  | Reviewer Comment (2026-01-02): Received Title Final with the policy coverage amount. Exception Cleared.<br>Buyer Comment (2025-12-30): [redacted]/[redacted]-Please see attached | 01/02/2026 |  |  | 1 B A |  | CA | Investment | Purchase | B A |  | N/A | No |
| xxx | 2129444 | xxx |  | 35966304 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | The Fraud Report contains red flags that were not addressed. |  |  |  | Reviewer Comment (2026-01-05): Received Fraud Report. Exception Cleared.<br>Buyer Comment (2025-12-31): [redacted]/[redacted]-Please see attached | 01/05/2026 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| xxx | 2129419 | xxx |  | 35966306 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Allow most recent [redacted] months of verified current primary residence rental payment history ($[redacted] per month from [redacted]/[redacted] to [redacted]/[redacted] and [redacted]/[redacted] - [redacted]/[redacted]) from borrower with [redacted]/[redacted] payment unverified paid by borrower's father along with a lease and borrower LOE vs program requirement of a lease and most recent [redacted] months' rent verification. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-12-29): Lender Exception with Compensating Factors provided. Downgraded and Waived. |  |  | 12/29/2025 | 2 B |  | TX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| xxx | 2129473 | xxx |  | 35966308 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  | Per matrix, maximum LTV for purchase with a DSCR less than [redacted] is [redacted]%. Loan was approved at [redacted]% LTV. |  |  |  | Reviewer Comment (2026-01-08): Received Lease agreement. Exception Cleared.<br>Buyer Comment (2026-01-06): Please see lease for both units along with confirmation of rent/security receipt. Thank you.<br>Buyer Comment (2026-01-06): [redacted], PLEASE advise how you are coming up with the DSCR score being under [redacted]%? Thank you. <br> DSCR score is over [redacted] @ [redacted]%. Thanks. | 01/08/2026 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| xxx | 2129449 | xxx |  | 35966316 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | File is missing final signed and dated HUD1/Settlement Statement. |  |  |  | Reviewer Comment (2026-01-08): Executed Final HUD1 received and verified the details. Exception Cleared.<br>Buyer Comment (2026-01-06): Please see attached Final HUD | 01/08/2026 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2129424 | xxx |  | 35966320 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception Approved at origination with compensating factors of FICO, Reserves and proof that funds were available to make the missed payment. The Borrower Had a [redacted]\*[redacted] on a HELOC. .The HELOC was paid off as a cash out refinance ,it was residual interest and they weren't aware, made an extra payment and [redacted] reversed it which created the problem. The borrower is a first time investor. | The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Originator Pre-Close,SitusAMC | Reviewer Comment (2025-12-31): Waived with compensating factors per lender exceptions approval at origination. |  |  | 12/31/2025 | 2 B |  | FL | Investment | Purchase | B A |  | N/A | No |
| xxx | 2129416 | xxx |  | 35966324 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | The Hazard Insurance Policy Effective Date is after Disbursement Date: [redacted] |  |  |  | Reviewer Comment (2026-01-08): Provided hazard insurance policy with effective date of [redacted]. Exception cleared.<br>Buyer Comment (2026-01-06): [redacted]/[redacted]-Please see attached | 01/08/2026 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| xxx | 2126800 | xxx |  | 35966338 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide a fully executed Operating Agreement from [redacted] verifying ownership percentages. |  |  |  | Reviewer Comment (2026-01-12): [redacted]<br>Reviewer Comment (2026-01-09): Provided operating agreement does not confirm ownership percentage. Exception remains.<br>Buyer Comment (2026-01-07): [redacted] | 01/12/2026 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| xxx | 2126791 | xxx |  | 35966344 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Documented qualifying Assets for Closing of $[redacted] is less than Cash From Borrower $[redacted] |  |  |  | Reviewer Comment (2026-01-13): Per guidelines, large deposits must be evaluated on all DTI <br> driven loans. Exception Cleared.<br>Buyer Comment (2026-01-09): Per guidelines, large deposits are only verified on DTI driven loans. When bank statements are used, large deposits must be evaluated on all DTI <br> driven loans.<br>Reviewer Comment (2026-01-09): Recent bank statement received however there is large deposit of $[redacted] $[redacted] and letter of explanation is missing for the same. Exception remains.<br>Buyer Comment (2026-01-07): [redacted]#[redacted] | 01/13/2026 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| xxx | 2131439 | xxx |  | 35966351 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception in file approving the rent for the primary residence was paid in cash since [redacted] Unable to provide bank statements or cancelled checks. Private VOR and explanation provided from borrower. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Reserves: [redacted]<br> Guideline Requirement: [redacted] | SitusAMC | Reviewer Comment (2026-01-02): Waived with compensating factors per lender exception approval at origination. |  |  | 01/02/2026 | 2 B |  | MA | Investment | Purchase | B A |  | N/A | No |
| xxx | 2126788 | xxx |  | 35966358 |  | 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 ___. | Documented qualifying Assets for Closing of $[redacted] is less than Cash From Borrower $[redacted] | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Loan to Value: [redacted]%<br> Guideline Maximum Loan to Value: [redacted]%<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC | Reviewer Comment (2026-01-26): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2026-01-22): exception |  |  | 01/26/2026 | 2 C B |  | NY | Investment | Purchase | C B A |  | N/A | No |
| xxx | 2126795 | xxx |  | 35966360 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account date is more than [redacted] days prior to Closing. |  | Assets documents are more than [redacted] days from the note date |  |  |  | Reviewer Comment (2026-01-22): Letter of explanation provided stating there were no funds/assets to close required as this is cash-out refinance. Exception Cleared.<br>Buyer Comment (2026-01-20): Please see the attached loe with regards to asset expiration dates. Thank you.<br>Reviewer Comment (2026-01-14): As per guideline all asset statements must be dated within [redacted] days of the Note date. Exception Remains.<br>Buyer Comment (2026-01-12): Please note per [redacted]guidelines statements can be up to [redacted] days old @ closing. Thank you. | 01/22/2026 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2129460 | xxx |  | 35966361 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | City name on appraisal report reflects as [redacted]. Provide corrected appraisal with updated city name as "[redacted]". |  |  |  | Reviewer Comment (2026-01-30): Provided [redacted] appraisal report with correct City name. Exception cleared.<br>Buyer Comment (2026-01-28): Appraisal city corrected on Appraisal. Thank you. | 01/30/2026 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2129460 | xxx |  | 35966363 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Final HUD / CD is missing in file. |  |  |  | Reviewer Comment (2026-01-22): Received HUD. Exception Cleared<br>Buyer Comment (2026-01-20): See HUD1 attached. | 01/22/2026 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2129441 | xxx |  | 35966366 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | UW discretion required for borrower living rent free with someone other than a spouse. |  |  |  | Reviewer Comment (2026-01-13): Received [redacted] Exception Cleared.<br>Buyer Comment (2026-01-09): [redacted]/[redacted]-Please see attached | 01/13/2026 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2132449 | xxx |  | 35966369 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | File is missing appraisal invoice for $[redacted] |  |  |  | Reviewer Comment (2026-01-15): Received Appraisal Invoice. Exception cleared.<br>Buyer Comment (2026-01-13): invoice | 01/15/2026 |  |  | 1 C A D |  | MO | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| xxx | 2126823 | xxx |  | 35966371 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower lives rent free. Letter from the homeowner verifying the borrower resides with them rent free. Also, provide UW discretion for the borrower residing rent free with someone other than a spouse. |  |  |  | Reviewer Comment (2026-01-14): Received LOX with [redacted] Exception Cleared<br>Buyer Comment (2026-01-12): UW discretion<br>Buyer Comment (2026-01-12): rent free loe | 01/14/2026 |  |  | 1 C A |  | CT | Investment | Purchase | C A |  | N/A | No |
| xxx | 2126807 | xxx |  | 35966374 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | File is missing final signed and dated HUD1/Settlement Statement listing the correct name of the borrower. |  |  |  | Reviewer Comment (2026-01-23): Received HUD listing the correct name of the borrower. Exception Cleared.<br>Buyer Comment (2026-01-21): Hud | 01/23/2026 |  |  | 1 C A |  | WI | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2126807 | xxx |  | 35966375 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | File is missing Articles of Organization/Formation for business entity. |  |  |  | Reviewer Comment (2026-01-21): Received Articles of Organization/Formation for business entity. Exception cleared.<br>Buyer Comment (2026-01-16): Operating agreement<br>Buyer Comment (2026-01-16): article of organization | 01/21/2026 |  |  | 1 C A |  | WI | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2126807 | xxx |  | 35966376 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2026-01-21): Received Certificate of Good Standing. Exception cleared.<br>Buyer Comment (2026-01-16): COGS | 01/21/2026 |  |  | 1 C A |  | WI | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2132424 | xxx |  | 35966378 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Provide OFAC for the borrowing entity. |  |  |  | Reviewer Comment (2026-01-22): OFAC for the borrowing entity received and verified the details. Exception Cleared.<br>Buyer Comment (2026-01-20): Clear OFAC. | 01/22/2026 |  |  | 1 C A |  | VT | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2132424 | xxx |  | 35966379 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Provide a dated Certificate of Good Standing. |  |  |  | Reviewer Comment (2026-01-22): Certificate of Good Standing received and verified the details. Exception Cleared.<br>Buyer Comment (2026-01-20): Please accept in place of cert of good standing as documents reflects the same information. Thank you. | 01/22/2026 |  |  | 1 C A |  | VT | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2132455 | xxx |  | 35966386 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | Certificate of Non-Owner Occupied disclosure does not show the borrower's principle address. |  |  |  | Reviewer Comment (2026-01-30): Received Non-Owner occupancy certificate with address. Exception Cleared.<br>Buyer Comment (2026-01-28): Please see form attached with section [redacted] completed. Thank you. | 01/30/2026 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| xxx | 2132455 | xxx |  | 35966387 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing UW discretion for borrower living rent free. |  |  |  | Reviewer Comment (2026-01-30): Received [redacted] with underwriter's comment. Exception Cleared<br>Buyer Comment (2026-01-28): Please see underwriters [redacted] with rent free comments. | 01/30/2026 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| xxx | 2132435 | xxx |  | 35966389 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | The File Contains an estimated closing statement only. The Final Executed HUD is Required. |  |  |  | Reviewer Comment (2026-02-03): Received certified copy of settlement statement. Exception cleared.<br>Buyer Comment (2026-01-30): Please see HUD1 attached. Thank you. | 02/03/2026 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2132435 | xxx |  | 35966390 |  | Credit | Credit | Credit Documentation | Credit | OFAC was not provided and is required. |  | Missing OFAC for the business entity. |  |  |  | Reviewer Comment (2026-02-03): Received clear OFAC search for business entity. Exception cleared.<br>Buyer Comment (2026-01-30): Please find clear OFAC attached. Thank you. | 02/03/2026 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2132418 | xxx |  | 35966398 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | File is missing final signed and dated HUD1/Settlement Statement. |  |  |  | Reviewer Comment (2026-01-30): Received final closing statement. Exception cleared.<br>Buyer Comment (2026-01-28): final SS | 01/30/2026 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2132418 | xxx |  | 35966400 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide stock ledger evidencing ownership percentages. |  |  |  | Reviewer Comment (2026-02-05): Received Co-Op Stock Certificate. Exception Cleared.<br>Buyer Comment (2026-02-03): stock ledger | 02/05/2026 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2132442 | xxx |  | 35966405 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for [redacted] for Condominiums for short crime coverage ($[redacted])<br> Compensating Factors:<br> [redacted] >= [redacted] months Addt'l Reserves and <= $[redacted] M<br> [redacted] [redacted] points over minimum [redacted]<br> [redacted] [redacted] year plus Investor Experience <br> [redacted] More than [redacted] tradelines<br> [redacted] Budget Reserves = [redacted]% (required [redacted]%) | Borrower has owned the subject property for at least [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Occupancy: Investment<br>Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (2026-01-27): Waived with compensating factors per lender exception approval at origination |  |  | 01/27/2026 | 2 B |  | FL | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| xxx | 2132419 | xxx |  | 35966407 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | File is missing [redacted] month housing history for primary residence. |  |  |  | Reviewer Comment (2026-02-19): Received mortgage statement in spouse name only, along with LOE from spouse.<br>Buyer Comment (2026-02-19): rent free loe<br>Reviewer Comment (2026-01-30): Received mortgage statement which is in spouse name. Provide rent-free letter from spouse. Exception remains.<br>Buyer Comment (2026-01-28): mts statement in spouse name<br>Buyer Comment (2026-01-28): Property profile- on title only | 02/19/2026 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| xxx | 2132460 | xxx |  | 35966412 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-02-02): BPO located in the file and there is no difference in the appraised value. Exception cleared<br>Buyer Comment (2026-01-29): [redacted] BPO- Per guidelines, [redacted][redacted] units use BPO as secondary valuation | 02/02/2026 |  |  | 1 D A |  | AZ | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| xxx | 2132460 | xxx |  | 35966413 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | The File Contains an estimated closing statement only. The Final Executed HUD is Required. |  |  |  | Reviewer Comment (2026-02-02): Received certified copy of settlement statement. Exception cleared.<br>Buyer Comment (2026-01-29): final SS | 02/02/2026 |  |  | 1 C A |  | AZ | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| xxx | 2132460 | xxx |  | 35966414 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Evidence of Access is Missing for Business " [redacted]". |  |  |  | Reviewer Comment (2026-02-02): [redacted]% usability as sufficient funds are available for closing. Exception cleared.<br>Buyer Comment (2026-01-29): Account is not needed to qualify. | 02/02/2026 |  |  | 1 C A |  | AZ | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| xxx | 2132413 | xxx |  | 35966417 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD1 |  | Estimated Provided |  |  |  | Reviewer Comment (2026-02-03): Received Final Closing Statement with the stamp in the file. Exception Cleared.<br>Buyer Comment (2026-01-30): Please find the final HUD1 attached. Thank you. | 02/03/2026 |  |  | 1 D A |  | CA | Investment | Purchase | D A |  | N/A | No |
| xxx | 2132448 | xxx |  | 35966418 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | Judgements are required to be paid off. |  |  |  | Reviewer Comment (2026-02-16): Received judgement document. Exception cleared.<br>Buyer Comment (2026-02-12): The attached evidence Judgment with Filing [redacted][redacted] in the amount of $[redacted] has been Satisfied. The filing number, creditor amount and filing date are an exact match.<br>Reviewer Comment (2026-02-04): There are [redacted] liens reflecting on fraud report. One reflects paid/satisfied. The second lien reflects different filing number and date, and no evidence in file this has been paid/released. If Lender is accepting as one in the same lien, a request to waive can be made.<br>Buyer Comment (2026-02-03): Please see attached confirmation lien released. Thank you. | 02/16/2026 |  |  | 1 B A |  | IL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2132448 | xxx |  | 35966420 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing OFAC for business entity. |  |  |  | Reviewer Comment (2026-02-05): OFAC provided.<br>Buyer Comment (2026-02-03): Please see clear OFAC attached. Thank you. | 02/05/2026 |  |  | 1 C A |  | IL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2132417 | xxx |  | 35966422 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | Certificate of Non-Owner Occupied disclosure does not show the borrower's principle address. |  |  |  | Reviewer Comment (2026-02-11): Received Non-Owner occupancy certificate with address. Exception Cleared.<br>Buyer Comment (2026-02-09): Non-Owner | 02/11/2026 |  |  | 1 C A |  | GA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| xxx | 2132425 | xxx |  | 35966428 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Rent-free letter was in the file, however, UW Discretion is required for borrower living rent-free with someone other than spouse. |  |  |  | Reviewer Comment (2026-02-11): Received UW discretion for borrower living rent free. Exception cleared.<br>Buyer Comment (2026-02-09): UW discretion | 02/11/2026 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2132425 | xxx |  | 35966429 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | Please provide evidence that the tax lien for $[redacted] was settled or released. |  |  |  | Reviewer Comment (2026-02-11): Provided Case view docket shows judgment satisfied. Exception cleared<br>Buyer Comment (2026-02-09): Judgement satisfied | 02/11/2026 |  |  | 1 B A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2132421 | xxx |  | 35966435 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. |  |  |  |  |  | Reviewer Comment (2026-02-04): As per guidelines LTV <= [redacted]% is $[redacted] Updated and verified. Exception Cleared.<br>Buyer Comment (2026-02-02): Per matrix, LTV < [redacted]% - $[redacted] | 02/04/2026 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| xxx | 2132421 | xxx |  | 35966436 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved: Unit [redacted] only has [redacted] square feet, but the program guidelines all units must be at least [redacted] square feet per individual unit for [redacted][redacted] unit properties. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Debt Service Coverage Ratio: [redacted]<br> Guideline Requirement: [redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (2026-01-29): Lender exception approved at origination with compensating factors. |  |  | 01/29/2026 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| xxx | 2132454 | xxx |  | 35966439 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  |  |  |  |  | Reviewer Comment (2026-02-04): Received Non-Owner Occupancy Declaration with Section [redacted] is reflecting the principal residence address. Exception Cleared.<br>Buyer Comment (2026-02-02): Non-Owner | 02/04/2026 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| xxx | 2132427 | xxx |  | 35966443 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | File is missing final signed and dated HUD1/Settlement Statement. |  |  |  | Reviewer Comment (2026-02-05): Received certified copy of closing statement. Exception cleared.<br>Buyer Comment (2026-02-03): stamped final | 02/05/2026 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
| xxx | 2132427 | xxx |  | 35966444 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File is missing verification of [redacted] [redacted] primary housing payment. |  |  |  | Reviewer Comment (2026-02-05): Missing [redacted] payment, however [redacted]allow [redacted]x[redacted] client accepts. Exception cleared.<br>Reviewer Comment (2026-02-05): Credit application date and note date is [redacted] and credit report date is [redacted]. Recent [redacted] months housing history is required. Provide verification of [redacted] primary housing payment. Exception remains<br>Buyer Comment (2026-02-03): program permits [redacted]x[redacted]x[redacted]: No reduction. | 02/05/2026 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
| xxx | 2132427 | xxx |  | 35966445 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is living rent free with someone other than a spouse. This does not meet guidelines. File is missing underwriter discretion documentation along with evidence of the LLPA. |  |  |  | Reviewer Comment (2026-02-05): Received UW discretion for borrower living rent free. Exception cleared.<br>Buyer Comment (2026-02-03): UW discretion<br>Buyer Comment (2026-02-03): lock | 02/05/2026 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
| xxx | 2132434 | xxx |  | 35966447 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Final title to verify all liens secured by the subject proeprty are paid. Title reflects [redacted] liens and only [redacted] was paid at closing. |  |  |  | Reviewer Comment (2026-02-09): Received email from title confirming both liens were paid off. Exception cleared.<br>Buyer Comment (2026-02-05): email from title | 02/09/2026 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2132416 | xxx |  | 35966450 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | The File Contains an estimated closing statement only. The Final Executed HUD is Required. |  |  |  | Reviewer Comment (2026-02-09): Final Closing Statement document received. Exception cleared.<br>Buyer Comment (2026-02-05): Final SS | 02/09/2026 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
| xxx | 2132426 | xxx |  | 35966455 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Final HUD is missing |  |  |  | Reviewer Comment (2026-02-09): Received signed and dated final closing statement. Exception cleared.<br>Buyer Comment (2026-02-05): Final SS | 02/09/2026 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |

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## Exhibit 99.01

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.01 - Schedule 3**

![](situs-logo.jpg)

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| |
|:---|
| **Valuation Report** |
| **Run Date - 3/12/2026 4:25:18 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** |
| xxx | 2094860 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2116916 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| xxx | 2116922 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2116921 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.50 |
| xxx | 2116925 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.550% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.90 |
| xxx | 2116919 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| xxx | 2116926 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2116929 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 5.00 |
| xxx | 2125722 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 20.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2125723 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| xxx | 2126969 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2126967 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| xxx | 2126973 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2126983 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| xxx | 2126984 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.80 |
| xxx | 2126979 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| xxx | 2126982 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.610% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 |
| xxx | 2126977 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2126971 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2126987 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| xxx | 2126968 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2126970 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| xxx | 2126974 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.50 |
| xxx | 2126975 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.30 |
| xxx | 2126990 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.20 |
| xxx | 2126989 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2126988 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| xxx | 2126991 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2131430 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2131432 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2131434 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| xxx | 2131435 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2131428 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| xxx | 2131431 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2131433 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2133267 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2133269 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| xxx | 2133266 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2133265 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2133268 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| xxx | 2133270 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2132175 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2132205 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.60 |
| xxx | 2132208 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2131520 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -45.160% |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| xxx | 2132207 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2131550 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2131498 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2131517 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| xxx | 2131539 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2131523 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2131514 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| xxx | 2131515 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2131513 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2132203 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
| xxx | 2131544 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2131521 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2131551 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2131535 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| xxx | 2131504 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2131511 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2131501 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| xxx | 2131528 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2132209 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.110% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2131538 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| xxx | 2131537 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| xxx | 2131536 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| xxx | 2131505 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2131548 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2132204 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2131527 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2131542 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2131509 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2131529 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| xxx | 2131526 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| xxx | 2131518 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2131502 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2131531 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2131512 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| xxx | 2131525 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| xxx | 2131541 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| xxx | 2131503 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2131547 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2131516 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2131507 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| xxx | 2131530 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| xxx | 2131510 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| xxx | 2131522 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| xxx | 2131524 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| xxx | 2131508 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2132183 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| xxx | 2132156 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| xxx | 2132181 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2131545 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2132154 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2132174 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| xxx | 2132155 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2132178 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2132198 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2132168 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2132177 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2132169 | xxx |  |  |  |  |  |  |  | 0.040% |  |  |  | Appraisal |  |  |  |  |  |  | 0.040% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| xxx | 2132199 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2132161 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2132159 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| xxx | 2132192 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| xxx | 2132194 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| xxx | 2132186 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2132166 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2132197 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| xxx | 2132176 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2132196 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2132157 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.900% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| xxx | 2132179 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2132162 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2132165 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2132195 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2132184 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2132187 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
| xxx | 2132185 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| xxx | 2132164 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
| xxx | 2132188 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2132189 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2132163 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2132200 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| xxx | 2132171 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| xxx | 2132202 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| xxx | 2132167 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2132172 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| xxx | 2132193 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2132170 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2132182 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2132158 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| xxx | 2132190 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2131456 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2129467 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2126830 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2131440 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2129427 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2131457 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2126821 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2131450 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2131451 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| xxx | 2129457 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2131446 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| xxx | 2129470 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2131448 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2129437 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.20 |
| xxx | 2126811 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.040% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| xxx | 2131445 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2126799 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2129429 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2126801 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| xxx | 2131458 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2129414 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.50 |
| xxx | 2129465 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| xxx | 2131459 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2129431 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2129425 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| xxx | 2131449 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| xxx | 2126805 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| xxx | 2131461 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| xxx | 2126793 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2129436 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2129422 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2129413 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| xxx | 2126826 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2129421 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| xxx | 2126792 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  | -13.730% |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| xxx | 2129466 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2126790 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| xxx | 2129417 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2129435 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| xxx | 2132451 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| xxx | 2129443 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2129451 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| xxx | 2132420 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
| xxx | 2132411 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2131447 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2129439 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| xxx | 2129440 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -44.720% |  |  | AVM |  | 0.48 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| xxx | 2129461 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| xxx | 2129428 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| xxx | 2126797 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2126816 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.20 |
| xxx | 2126819 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| xxx | 2129415 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2129459 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| xxx | 2131438 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| xxx | 2132428 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2129433 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| xxx | 2129420 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2132450 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2126812 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2131442 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2132453 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2131441 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| xxx | 2126829 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| xxx | 2129446 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2129468 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2126825 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2132405 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2126809 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| xxx | 2126827 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2126787 | xxx |  |  |  |  |  |  |  | 25.600% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2129454 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| xxx | 2126785 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2129418 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| xxx | 2126804 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2129444 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| xxx | 2129419 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2129473 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2132436 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2131444 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2131443 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2129463 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2129462 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2126820 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| xxx | 2129449 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.410% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2126806 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| xxx | 2126815 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2129450 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2129424 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| xxx | 2126822 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2129416 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2126813 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2126789 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2129458 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.20 |
| xxx | 2126800 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| xxx | 2126818 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2129432 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2129448 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| xxx | 2129445 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| xxx | 2126783 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2126791 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| xxx | 2126824 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| xxx | 2129423 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2126798 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2131439 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2126796 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| xxx | 2126794 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| xxx | 2129456 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2126817 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2129452 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2129472 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| xxx | 2126788 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| xxx | 2126795 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2129460 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2129455 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| xxx | 2129441 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| xxx | 2132449 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| xxx | 2126823 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.770% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2132422 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
| xxx | 2126807 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2132424 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| xxx | 2132429 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.20 |
| xxx | 2132412 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.900% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.60 |
| xxx | 2132447 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
| xxx | 2132455 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.50 |
| xxx | 2132435 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
| xxx | 2132438 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| xxx | 2132446 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2132418 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2132442 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| xxx | 2132419 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| xxx | 2132423 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2132404 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| xxx | 2132460 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2132410 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2132413 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| xxx | 2132448 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| xxx | 2132417 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2132456 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| xxx | 2132441 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2132425 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.750% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2132415 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2132443 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2132409 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2132421 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2132414 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2132454 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2132439 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| xxx | 2132406 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2132427 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.00 |
| xxx | 2132434 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| xxx | 2132408 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2132416 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.550% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| xxx | 2132426 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2132432 | xxx |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |

---

## Exhibit 99.01

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.01 - Schedule 4**

![](situs-logo.jpg)

---

| |
|:---|
| **Supplemental Data** |
| **Run Date - 3/12/2026 4:25:19 PM** |

---

---

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **Total DSCR** | **Total Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** | **Total Number of Mortgaged Properties** |
| xxx | 2094860 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  | xxx | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | Yes |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxx | 2116916 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - No Results Returned - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | No | No | xxx | 0 |  | xxx | 0 | xxx | xxx |  | xxx | 0.00 | No |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No | xxx |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2116922 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  | xxx | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  | xxx | xx | No |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Preliminary | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | xxx |  | No | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 |
| xxx | 2116921 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  | xxx | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | No | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  | xxx | xxx | No |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  | VISA |  |  |  |  | xxx |  |  | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2116925 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxx | xxx | xxx | xxx |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | Yes | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  | xxx | 0.00 | No |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | Yes | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxx | 2116919 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx | Self-Employed |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxx | xxx | xxx | xxx | xxx |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 85.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 85.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 85.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | Yes | No | xxx | xxx | 0 | 0 | 0 | xxx | 0 |  | xxx | 0.00 | No |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No | xxx |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2116926 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxx | xxx | xxx | xxx |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  | xxx | 0.00 | No |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Preliminary | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2116929 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx | Self-Employed |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxx | xxx | xxx | xxx | xxx |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | No | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx | 0.00 | No |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | xxx |  | Yes | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxx | 2125722 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  | xxx | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Final | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | Yes |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2125723 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | No | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  | xxx | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | No |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxx | 2126969 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxx | xxx | xxx | xxx |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 | 12 | xxx | 0.00 | No |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2126967 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx | Employed |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxx | xxx | xxx | xxx |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | No | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 12 | xxx | 0.00 | No |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2126973 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  | xxx | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  | xxx | xxx | No |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Preliminary | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | xxx |  |  | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2126983 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx | Employed |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxx | xxx | xxx | xxx | xxx |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | Yes | No | xxx | 0 | xxx | 0 | 0 | 0 | 0 |  | xxx | 0.00 | No |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx |  |  | Yes | Preliminary | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2126984 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx | Employed |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxx | xxx | xxx | xxx |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | Yes | No | xxx | 0 | xxx | 0 | 0 | xxx | 0 | 12 | xxx | 0.00 | No |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx |  |  | Yes | Preliminary | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2126979 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  | xxx | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  | xxx | xxx | No |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | VISA |  |  |  |  | xxx |  |  | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2126982 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx | Non-Employment Income |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Child Support]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Child Support]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Child Support]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Child Support]; Child Support Order - 2013 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | Yes | No | xxx | xxx | 0 | 0 | 0 | xxx | 0 |  | xxx | 0.00 | No |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No | xxx |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | xxx |  | Yes | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxx | 2126977 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxx | xxx | xxx | xxx |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  | xxx | 0.00 | No |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2126971 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxx | xxx | xxx | xxx |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  | xxx | 0.00 | No |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Preliminary | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | Yes | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| xxx | 2126987 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxx | xxx | xxx | xxx |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | Yes | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  | xxx | 0.00 | No |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Preliminary | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2126968 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxx | xxx | xxx | xxx |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 | 12 | xxx | 0.00 | No |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Preliminary | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2126970 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx | Self-Employed |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  | [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2025 |  | Full Documentation (F) | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | No | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx | 0.00 | No |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |  | Passport |  |  | No | xxx |  |  | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | No | No | 1 |
| xxx | 2126974 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | No | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  | xxx | 0.00 | No |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No | xxx |  |  |  | Yes | Preliminary | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | xxx |  |  | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 |
| xxx | 2126975 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx | Employed |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | Yes | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx | 0.00 | No |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No | xxx | xxx |  |  | Yes | Preliminary | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | Passport | Passport |  |  |  | xxx |  |  | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | No | No | 1 |
| xxx | 2126990 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx | Self-Employed |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  | [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2025 |  | Full Documentation (F) | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | No | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx | 0.00 | No |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |  | Passport |  |  |  | xxx |  |  | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | No | No | 1 |
| xxx | 2126989 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxx | xxx | xxx | xxx |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2033<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | xxx | 0 |  | xxx | 0.00 | No |  |  |  |  |  |  |  |  | 360 | xxx | xxx | xxx | No |  |  |  |  | Yes | Preliminary | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2126988 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxx | xxx | xxx | xxx |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2019 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  | xxx | 0.00 | No |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2126991 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxx | xxx | xxx | xxx |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  | xxx | 0.00 | No |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2131430 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | Yes |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Final | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | No |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxx | 2131432 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx | 0.00 | No | xxx | xxx |  |  |  |  |  |  | 240 | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | No |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| xxx | 2131434 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | No | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  | xxx | 0.00 | No | xxx | xxx |  |  |  |  |  |  | 240 | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | Retail |  | No |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxx | 2131435 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | No |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxx | 2131428 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | Yes | No | xxx | xxx |  | 0 | 0 | xxx | 0 |  | xxx | 0.00 | No |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No | xxx |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | Yes | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxx | 2131431 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx | Self-Employed |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxx | xxx | xxx | xxx | xxx |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx | 0.00 | No |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Preliminary | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | xxx |  | No | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 19 |
| xxx | 2131433 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxx | xxx | xxx | xxx |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  | xxx | 0.00 | No |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Preliminary | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2133267 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx | Self-Employed |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxx | xxx | xxx | xxx | xxx |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx | 0.00 | No |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Final | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | xxx |  | Yes | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 19 |
| xxx | 2133269 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxx | xxx | xxx | xxx |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - Year Not Available<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | Yes | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  | xxx | 0.00 | No |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | xxx |  | No | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| xxx | 2133266 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx | Employed |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  | [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025 |  | Full Documentation (F) | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx | 0.00 | No |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  | Employment Authorization, Passport, VISA |  |  | No | xxx |  | No | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 6 |
| xxx | 2133265 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx | Employed |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  | [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025 |  | Full Documentation (F) | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx | 0.00 | No |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  | Employment Authorization, Passport, VISA |  |  | No | xxx |  | No | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 6 |
| xxx | 2133268 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxx | xxx | xxx | xxx |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | No | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  | xxx | 0.00 | No |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Preliminary | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2133270 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  | xxx | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | Yes |  |  |  |  | Yes | Preliminary | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | Retail |  | No |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 |
| xxx | 2132175 | xxx |  | xxx |  | Yes |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  | xxx | [Borrower - \| Primary Income - C-Corp]; Telephone Listing / Internet Search / Directory Assistance - 2026<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - C-Corp]; Business License - 2025<br> [Borrower - \| Primary Income - C-Corp]; P&L Statement - 2025<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2024<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2024<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | xxx |  | xxx | 0 | xxx | xxx |  | xxx | 0.00 | No |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Preliminary | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | No | Yes |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
| xxx | 2132205 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | No | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | Yes |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| xxx | 2132208 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | Yes |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2131520 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | Yes |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| xxx | 2132207 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  | 0 |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | xxx |  |  | Yes |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxx | 2131550 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Preliminary | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | No |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| xxx | 2131498 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | Yes |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 |
| xxx | 2131517 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | Yes | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | xxx | Broker |  | No |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| xxx | 2131539 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | xxx | Broker |  | No |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| xxx | 2131523 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | Yes |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2131514 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | Yes |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| xxx | 2131515 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | Yes |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| xxx | 2131513 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | Yes |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| xxx | 2132203 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | Yes |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxx | 2131544 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | Yes |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2131521 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | xxx | Retail |  | No |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxx | 2131551 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | Yes |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxx | 2131535 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | No | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | xxx | Retail |  | No |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
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| xxx | 2131511 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | Yes |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| xxx | 2131501 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | Yes | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | Yes |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxx | 2131528 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | Yes |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxx | 2132209 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | Yes |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2131538 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | No | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | xxx | Retail |  | No |  | xxx | xxx | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2131537 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | No | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | xxx | Retail |  | No |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2131536 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | No | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | xxx | Retail |  | No |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| xxx | 2131505 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | Yes |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2131548 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  | 0 |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | xxx |  |  | Yes |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxx | 2132204 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Preliminary | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | Yes |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| xxx | 2131527 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  | 0 |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | 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 |  |  |  |  |  |  |  |  | xxx |  |  | Yes |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxx | 2131542 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | Yes |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxx | 2131509 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | Yes |  | xxx | xxx | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2131529 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | Yes |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxx | 2131526 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | Yes |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
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| xxx | 2131502 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | Yes |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
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| xxx | 2131512 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Preliminary | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | Yes |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2131525 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | Yes |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2131541 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | Yes |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
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| xxx | 2131547 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | Yes |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| xxx | 2131516 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | Yes |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | Yes |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxx | 2131507 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  | [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2023<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2022 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | Yes |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |  |
| xxx | 2131530 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | Yes |  | xxx | xxx | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxx | 2131510 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Final | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | Yes |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxx | 2131522 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | Yes |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxx | 2131524 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | Yes |  | xxx | xxx | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2131508 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  | 0 |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | xxx |  |  | Yes |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
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| xxx | 2132451 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | Yes | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | Yes |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
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| xxx | 2129451 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  | 0 |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | xxx |  |  | Yes |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2132420 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | No |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxx | 2132411 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | Yes |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxx | 2131447 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  | 240 | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | Yes |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 |
| xxx | 2129439 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | Yes |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2129440 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | Yes |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2129461 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | Yes |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| xxx | 2129428 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | Yes | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | Yes |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2126797 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  | 0 |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | xxx |  |  | Yes |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxx | 2126816 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | No | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | xxx | Broker |  | No |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 3 | 2 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| xxx | 2126819 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | Yes |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxx | 2129415 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | Yes |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
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| xxx | 2126822 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | Yes |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
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| xxx | 2129458 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | No | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | xxx | Retail |  | No |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxx | 2126800 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | Yes |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | Yes |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2126818 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | Yes |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
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| xxx | 2129448 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  | 0 |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | Yes | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | xxx | Retail |  | No |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| xxx | 2129445 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | Yes |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| xxx | 2126783 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Final | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | Yes |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| xxx | 2126791 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | Yes |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
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| xxx | 2129423 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  | 0 |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | xxx |  |  | Yes |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
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| xxx | 2132421 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | Yes |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxx | 2132414 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | Yes |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
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| xxx | 2132406 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  | 0 |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | xxx |  |  | Yes |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxx | 2132427 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  | 0 |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | No | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Preliminary | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | 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 |  |  |  |  |  |  |  |  | xxx |  |  | Yes |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
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| xxx | 2132426 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | Yes |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
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---

## Exhibit 99.01

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.01 - Schedule 5**

![](situs-logo.jpg)

---

| |
|:---|
| **ASF Addendum - Business Purpose** |
| **Run Date - 3/12/2026 4:25:21 PM** |

---

---

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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** |
| xxx | 2094860 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2125722 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Multiple Sources | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx | Yes | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Long Term | xxx | xxx | Yes | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | Long Term | xxx | xxx | Yes | xxx | xxx | xxx | Long Term | xxx | xxx | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | Good |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2125723 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Multiple Sources | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx | Yes | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2126970 | xxx |  |  |  |  |  |  | Yes |  |  |  |  |  | xxx |  | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined |  | xxx | xxx | No |  |  |  | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131430 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 1-Not Stated/Not Verified | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 4-Stated/Verified as defined |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131432 | xxx |  |  |  |  |  |  | Yes | No | Short Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Short Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 1-Not Stated/Not Verified | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 4-Stated/Verified as defined |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131434 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131435 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 1-Not Stated/Not Verified | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 4-Stated/Verified as defined |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131431 | xxx |  |  |  |  |  |  | Yes |  |  |  |  |  | xxx |  | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined |  | xxx | xxx | No |  | No |  | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Trust | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2133267 | xxx |  |  |  |  |  |  | Yes |  |  |  |  |  | xxx |  | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined |  | xxx | xxx | No |  | No |  | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2133266 | xxx |  |  |  |  |  |  | Yes |  |  |  |  |  | xxx |  | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined |  | xxx | xxx | No |  |  |  | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2133265 | xxx |  |  |  |  |  |  | Yes |  |  |  |  |  | xxx |  | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined |  | xxx | xxx | No |  |  |  | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2133270 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132175 | xxx |  |  |  |  |  |  | Yes |  |  |  |  |  | xxx |  | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined |  | xxx | xxx | No | No |  |  | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132205 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132208 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131520 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132207 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131550 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131498 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | xxx |  |  | xxx | xxx | Level 3-Stated/Partially Verified | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131517 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131539 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 3-Stated/Partially Verified | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131523 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 1-Not Stated/Not Verified | No | xxx | xxx | No |  |  | First-Time Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131514 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131515 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131513 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132203 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | First-Time Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131544 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx | Yes | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131521 | xxx |  |  |  |  |  |  | Yes | No | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  |  |  | xxx | Multiple Sources | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131551 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131535 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131504 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131511 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131501 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131528 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132209 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131538 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 1-Not Stated/Not Verified | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131537 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 1-Not Stated/Not Verified | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131536 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 1-Not Stated/Not Verified | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131505 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131548 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx | Yes | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 1-Not Stated/Not Verified | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132204 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 3-Stated/Partially Verified | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131527 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131542 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | xxx |  |  | xxx | xxx | Level 3-Stated/Partially Verified | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131509 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131529 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | xxx |  |  | xxx | xxx | Level 3-Stated/Partially Verified | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Corp | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131526 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Corp | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131518 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx | Yes | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131502 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | First-Time Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131531 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131512 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 3-Stated/Partially Verified | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131525 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Corp | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131541 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131503 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx | Yes | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Long Term | xxx | xxx | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131547 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 3-Stated/Partially Verified | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131516 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  | No | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Trust | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131507 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  | No | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Trust | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131530 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131510 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 3-Stated/Partially Verified | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131522 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 1-Not Stated/Not Verified | No | xxx | xxx | No |  |  | First-Time Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131524 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | First-Time Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131508 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | xxx | xxx | Level 3-Stated/Partially Verified | No | xxx | xxx | No |  | No | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Trust | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132183 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 1-Not Stated/Not Verified | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132156 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  | N/A | First-Time Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Trust | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132181 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131545 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Corp | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132154 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 3-Stated/Partially Verified | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132174 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 3-Stated/Partially Verified | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132155 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | First-Time Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | Good |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132178 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | First-Time Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132198 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132168 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | First-Time Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132177 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  | No | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Trust | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132169 | xxx |  |  |  |  |  |  | Yes | No | Short Term |  |  |  | xxx | Multiple Sources | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Short Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132199 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 3-Stated/Partially Verified | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132161 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132159 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | xxx |  |  | xxx | xxx | Level 3-Stated/Partially Verified | No | xxx | xxx | No |  |  | First-Time Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132192 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132194 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132186 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  | No | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Trust | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132166 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132197 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Multiple Sources | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Corp | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132176 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 1-Not Stated/Not Verified | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Corp | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132196 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Multiple Sources | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132157 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132179 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | First-Time Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132162 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 1-Not Stated/Not Verified | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132165 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx | Yes | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | xxx |  |  | xxx | xxx | Level 1-Not Stated/Not Verified | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132195 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 3-Stated/Partially Verified | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132184 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 1-Not Stated/Not Verified | No | xxx | xxx | No |  |  | First-Time Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132187 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132185 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 3-Stated/Partially Verified | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx | Yes |  |  |
| xxx | 2132164 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132188 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 3-Stated/Partially Verified | No | xxx | xxx | No | No |  | First-Time Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132189 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No | No | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | Good |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132163 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | xxx |  |  | xxx | xxx | Level 1-Not Stated/Not Verified | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132200 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132171 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | First-Time Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132202 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No | No | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132167 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx | Yes | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132172 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Corp | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132193 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | First-Time Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132170 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 2-Stated/Not Verified | No | xxx | xxx | No | No |  | First-Time Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 2-Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132182 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132158 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132190 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | xxx |  |  | xxx | xxx | Level 3-Stated/Partially Verified | No | xxx | xxx | No | No |  | First-Time Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131456 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | First-Time Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129467 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2126830 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131440 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 3-Stated/Partially Verified | No | xxx | xxx | No | No | No | First-Time Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129427 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx | Yes | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131457 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2126821 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131450 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx | Yes | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131451 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | xxx | xxx | Level 1-Not Stated/Not Verified | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129457 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 1-Not Stated/Not Verified | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Corp | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131446 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | First-Time Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Corp | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129470 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131448 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 1-Not Stated/Not Verified | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129437 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  | No | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2126811 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131445 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2126799 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129429 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2126801 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131458 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129414 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129465 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  | No | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131459 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 3-Stated/Partially Verified | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129431 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 1-Not Stated/Not Verified | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129425 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 1-Not Stated/Not Verified | No | xxx | xxx | No |  |  | First-Time Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131449 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 3-Stated/Partially Verified | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2126805 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131461 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2126793 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 3-Stated/Partially Verified | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129436 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129422 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | First-Time Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129413 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2126826 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 3-Stated/Partially Verified | No | xxx | xxx | No | No |  | First-Time Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129421 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2126792 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129466 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2126790 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129417 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129435 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | xxx |  |  | xxx | xxx | Level 3-Stated/Partially Verified | No | xxx | xxx | No | No | No | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132451 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129443 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 1-Not Stated/Not Verified | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129451 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132420 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 1-Not Stated/Not Verified | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Corp | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132411 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131447 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129439 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129440 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129461 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129428 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2126797 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx | Yes | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2126816 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2126819 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129415 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 3-Stated/Partially Verified | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129459 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131438 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132428 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 1-Not Stated/Not Verified | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129433 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129420 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132450 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2126812 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Corp | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131442 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132453 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 3-Stated/Partially Verified | No | xxx | xxx | No | No |  | First-Time Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131441 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 3-Stated/Partially Verified | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2126829 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129446 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129468 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2126825 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132405 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 3-Stated/Partially Verified | No | xxx | xxx | No | No |  | First-Time Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2126809 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2126827 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx | Yes | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2126787 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 3-Stated/Partially Verified | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129454 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2126785 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 3-Stated/Partially Verified | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129418 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 1-Not Stated/Not Verified | No | xxx | xxx | No |  |  | First-Time Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2126804 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129444 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 3-Stated/Partially Verified | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Corp | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129419 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129473 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx | Yes | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | First-Time Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132436 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 3-Stated/Partially Verified | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131444 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131443 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Corp | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129463 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129462 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2126820 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | First-Time Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129449 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2126806 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2126815 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx | Yes | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Long Term | xxx | xxx | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | xxx |  |  | xxx | xxx | Level 3-Stated/Partially Verified | No | xxx | xxx | No | No | No | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129450 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx | Yes | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129424 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 3-Stated/Partially Verified | No | xxx | xxx | No | No | No | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2126822 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129416 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | xxx |  |  | xxx | xxx | Level 1-Not Stated/Not Verified | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2126813 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | First-Time Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2126789 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 3-Stated/Partially Verified | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129458 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2126800 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 1-Not Stated/Not Verified | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2126818 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 3-Stated/Partially Verified | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129432 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129448 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129445 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx | Yes | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2126783 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2126791 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 3-Stated/Partially Verified | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2126824 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 1-Not Stated/Not Verified | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129423 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Multiple Sources | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 3-Stated/Partially Verified | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2126798 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | First-Time Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2131439 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2126796 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2126794 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 1-Not Stated/Not Verified | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129456 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Corp | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2126817 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129452 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129472 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 1-Not Stated/Not Verified | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2126788 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2126795 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129460 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129455 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2129441 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132449 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 1-Not Stated/Not Verified | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2126823 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 3-Stated/Partially Verified | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132422 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2126807 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx | Yes | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132424 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132429 | xxx |  |  |  |  |  |  | Yes | No | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  |  |  | xxx | Multiple Sources | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 1-Not Stated/Not Verified | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132412 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132447 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132455 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | xxx |  |  | xxx | xxx | Level 1-Not Stated/Not Verified | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132435 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132438 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 1-Not Stated/Not Verified | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132446 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 3-Stated/Partially Verified | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132418 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | First-Time Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Corp | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132442 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132419 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 3-Stated/Partially Verified | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132423 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132404 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132460 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Long Term | xxx | xxx | Yes | xxx | xxx | xxx | Long Term | xxx | xxx | Yes | xxx | xxx | xxx | Long Term | xxx | xxx | Yes | xxx | xxx | xxx | Long Term | xxx | xxx | Yes | xxx | xxx | xxx | Long Term | xxx | xxx | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | xxx |  |  | xxx | xxx | Level 3-Stated/Partially Verified | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132410 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 1-Not Stated/Not Verified | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132413 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132448 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132417 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 1-Not Stated/Not Verified | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132456 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | First-Time Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132441 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132425 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | First-Time Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132415 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132443 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Multiple Sources | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx | Yes | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132409 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132421 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Multiple Sources | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx | Yes | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  | No | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Trust | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132414 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx | Yes | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 1-Not Stated/Not Verified | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132454 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 3-Stated/Partially Verified | No | xxx | xxx | No | No |  | First-Time Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132439 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 3-Stated/Partially Verified | No | xxx | xxx | No | No | No | First-Time Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132406 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | First-Time Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132427 | xxx |  |  |  |  |  |  | Yes | No | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  |  |  | xxx | Multiple Sources | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No | No | First-Time Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132434 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | LLC | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | xxx | xxx | xxx | xxx | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132408 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  | No | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Trust | Business Entity | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132416 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 2-Stated/Not Verified | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 2-Stated/Not Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132426 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | First-Time Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 4-Stated/Verified as defined | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |
| xxx | 2132432 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 3-Stated/Partially Verified | No | xxx | xxx | No | No |  | Experienced Investor | xxx | xxx | xxx | xxx |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  | Individual | Individual | xxx |  |  | xxx | xxx |  |  | Level 3-Stated/Partially Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  | xxx |  |  |  |  | xxx |  |  |  |

---

## Exhibit 99.02

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.02**

![](ex9902001.jpg)

**NARRATIVE**

**EFMT 2026-NQM4**

**By Canopy Financial Technology Partners LLC on March 16, 2026**

Canopy Financial Technology Partners LLC

<u>chweeler@canopytpr.com</u> \| 801-792-2995 \| <u>www.canopytpr.com</u>

Address: 1 Research Court, Suite 450, Rockville, MD 20850

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

![](ex9902001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;**Description of Services** 

Canopy Financial Technology Partners, LLC ("Canopy") performed certain due diligence services (the "Review) described below on Non-Agency Eligible Mortgage Loans ("Loans") backed by residential properties originated or acquired by Ellington Management Group, LLC (the "Client") or its affiliated company. The Review was conducted from June 2025 to February 2026 via files imaged and provided by the Client for review.

The Review consisted of a population of fifty-four (54) loans with an aggregate principal balance of $34,907,189.

**Loan Sampling**

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

The Review was conducted consistent with the criteria for the specific Nationally Recognized Statistical Rating Organizations (NRSROs); Fitch Ratings, Inc., and Kroll Bond Rating Agency, LLC.

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

![](ex9902001.jpg)

**Data Integrity**

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** |
| &nbsp;&nbsp;All Borrower Total Income | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply Tolerance if DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Amortized Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;.25% tolerance |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Higher Priced Mortgage Loan (HPML) Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Index | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Margin (ARM Loan) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Interest Only Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;Origination BK Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Prepayment Penalty Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply Tolerance if DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Underwriting Guideline Product Name | &nbsp;&nbsp;No tolerance |

---

**Credit Underwriting**

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

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

● Assets and Reserves;

● DTI;

● DSCR;

● Gross Income;

● Housing history;

● Lien Position;

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● Loan Purpose;

● LTV/CLTV;

● Monthly debt service;

● Occupancy;

● Property Type;

● Qualifying PITI; and

● Residual Income.

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

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

● Borrower(s) employment history;

● Citizenship and eligibility;

● First time home buyer status;

● The application was signed by all borrowers; and

● The application was substantially completed.

**Credit History:** Canopy verified:

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

● Bankruptcy and foreclosure seasoning;

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

● Installment and revolving payment history;

● Mortgage/rental payment history;

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

● Number of tradelines; and

● Representative Credit Score and Methodology.

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

● Verbal or Written VOE's;

● Paystubs;

● W-2 forms;

● Tax returns;

● Financial statements;

● Award letters;

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

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**Fraud Review:** For all Loans, the Client provided the results from a third-party anti-fraud tool to Vendor. In accordance with the type of fraud report provided, Canopy utilized the results provided by the Client along with information in the Loan File, to identify and address any potential misrepresentations including:

● Borrower identity:

○ Social Security inconsistencies

○ Borrower name variations

● Employment :

● Licensing – reviewed NMLS data for:

○ Mortgage lender/originator

○ Loan officer

● Occupancy:

○ Borrower address history

○ Subject property ownership history

● OFAC .

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

● Depository account statements;

● Gift funds;

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

● Stock or security account statements; and/or

● VOD's.

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

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

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

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

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

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

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

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

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

**Document Review**

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

● Initial application (1003);

● Final application (1003);

● Note;

● Mortgage/Deed of Trust;

● Appraisal;

● Sales Contract;

● Title Commitment/Policy;

● Junior Lien/Subordination Agreement;

● Mortgage Insurance;

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

● Flood Certification;

● Initial and Final Loan Estimate (LE);

● Initial and Final and Closing Disclosure (CD);

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

**Business Purpose Validation**

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

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

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

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

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

**Compliance Review**

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

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

(ii) the **Truth in Lending Act** (" <u>TILA</u> "), as amended by HOEPA, 15 U.S.C.
 §1601 et seq., as implemented by Regulation Z, 12 C.F.R. Part 1026;

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

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

**I.** **Compliance Documentation Requirements** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 of the following documents as they related to regulatory compliance:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Initial
 and final application (1003)

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. HOEPA
 Disclosures (if applicable)

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. **TILA/RESPA Integrated Disclosure Testing ("TRID")**. A review and comparison of LEs
 and CDs with a report outlining any TILA violations, including a re-calculation of disclosed
 finance charge, principal and interest calculations, proper completion of the Projected
 Payments table, total of payments, finance charge, amount financed, recalculation of
 disclosed APR and a review to determine disclosure differences were within the allowed
 tolerances and disclosures were provided within the required timeframes. Testing will
 be conducted to fulfill the elements Structured Finance Association (SFA) TRID Compliance
 Review Scope ("TRID Grid 4.0");

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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;ii. **Right of Rescission**. A review of the TILA Right of Rescission, Notice of Right to Cancel,
 including a verification of the transaction date and expiration date, ensuring proper
 execution of the Notice of Right to Cancel by all required parties, verifying the disbursement
 date and determining if a full three (3) day rescission period was adequately provided
 to the borrower(s). The appropriate Model Form will be tested according to applicable
 U.S. Court of Appeals, Circuit Court rulings;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. **Qualified Mortgage and Ability to Repay**. A review to ensure the mortgage loan meets the applicable
 Qualified Mortgage ("QM") and Ability-to-Repay ("ATR") requirements
 as set forth in regulations promulgated by the Consumer Financial Protection Bureau as
 found at 12 CFR § 1026.43. QM and ATR testing is detailed below.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. **Real Estate Settlement Procedures Act (RESPA)/Regulation X**: Review to ensure compliance
 with RESPA/Regulation X documentation and timing requirements in effect at origination
 of the mortgage loan for RESPA disclosures (Servicing Disclosure Statement; Affiliated
 Business Arrangement Disclosure; Initial Escrow Disclosure Statement; List of Homeownership
 Counselling Organizations).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. **Equal Credit Opportunity Act (ECOA)/Regulation B**: Confirm compliance with the January 18,
 2014 requirements regarding the disclosure of the right to receive a copy of appraisals
 within three (3) business days of application, the right to receive a copy of the appraisals
 at least three (3) business days prior to consummation and any applicable waiver. The
 disclosure of the right to receive a copy of appraisals may be met by the disclosure
 on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. **Fair Credit Reporting Act (FRCA)/Regulation V**: Confirm compliance with the current FCRA/Regulation
 V requirements regarding risk-based pricing notice, credit score disclosure and Notice
 to Home Loan Applicant, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**e.** **Miscellaneous Compliance Testing:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Mandatory
 Arbitration – Canopy will report mandatory arbitration provisions present in the
 Loan File.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. TPR
 will test for state prepayment and late charge restrictions. If a prepayment penalty
 that exceeds the state permitted penalty has expired, this must be reported.

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**State & Local Anti-Predatory Requirements**

The following is an itemization of the generally understood current and historical state and local anti-predatory lending requirements, as customary in secondary market due diligence compliance testing:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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**QUALIFIED MORTGAGE (QM)** 

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

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

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

**Ability to Repay (ATR)**

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

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

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

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

![](ex9902001.jpg)

**VALUATION REVIEW**

Canopy reviewed all appraisals and alternative value tools used to qualify the Loan for reasonableness of estimated value, integrity of comparable sales, completeness of data and eligibility of the appraiser, consistent with underwriting guidelines, variances, tolerances, and exception authorities established by Client. Additionally, Canopy determined that the appraised value appeared to be reasonably supported ("Value-Supported Analysis"), based on the valuation provided by the Independent Third-party Review.

● With respect to Title XI of FIRREA, Canopy checked for the presence of the appraiser's license, and reviewed for the presence of any red flags related to the mortgaged property that may have posed a risk to the property or occupants.

● With respect to USPAP, Canopy confirmed the appraiser's certification is present and executed within the original appraisal.

***Independent third-party values***

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

**Valuation Reconciliation Process:**

● If a Desk Review, or other acceptable review product, was provided supporting the origination appraised value within a -10% variance and acceptable confidence score, no additional products were required.

● In the event a Desk Review yielded material exceptions or had a value exceeding a negative ten percent (-10%) variance, a field review or second appraisal was ordered to further establish value.

**Agency Eligible Loans:**

**●** **For FNMA loans, if a CU Score was available and the CU Score was greater than 2.5, Canopy ordered an AVM or Desk Review. If the CU Score was less than or equal to 2.5, no further review product was required based on market acceptance of Agency Eligible Loans.** 

**●** **For FHLMC loans, if the FHLMC Rep & Warrant Relief indicator was Not Eligible, Canopy ordered an AVM or Desk Review. If the FHLMC Rep & Warrant Relief indicator was Eligible, no further review product was required based on market acceptance of Agency Eligible Loans.** 

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

![](ex9902001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;**GRADING COMPONENTS** 

&nbsp;&nbsp;&nbsp;&nbsp;**Due Diligence Grading Criteria** 

Upon completion of the Loan File review, Canopy assigned comprehensive grading that considers critical factors based on the specific review completed, in addition to product, client, and rating agency requirements.

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

---

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

---

---

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

---

---

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

---

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

![](ex9902001.jpg)

---

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

---

 **FINDINGS SUMMARY** 

**Summary Overview** 

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 88.89% (48 loans) have an overall grade of "A" and 11.11% (6 loans) have an overall grade of "B".

Canopy's review concluded a Credit grade of "A" for 88.89%, (48 loans) of mortgage loans reviewed, and 11.11% (6 loans) have a Credit grade of "B".

Canopy's review concluded a Compliance grade of "A" for 96.30%, (52 loans) of mortgage loans reviewed, and 3.70% (2 loans) have a Compliance grade of "B".

Canopy's review concluded a Property/Valuation grade of "A" for 98.15%, (53 loans) of mortgage loans reviewed, and 1.85% (1 loan) has a Property/Valuation grade of "B".

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

![](ex9902001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;**FINDINGS TABLE** 

**REVIEW TABLES** 

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;48 | &nbsp;&nbsp;88.89% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;11.11% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**54** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;48 | &nbsp;&nbsp;88.89% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;11.11% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**54** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;52 | &nbsp;&nbsp;96.30% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.70% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**54** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;53 | &nbsp;&nbsp;98.15% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.85% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**54** | &nbsp;&nbsp;**100.00%** |

---

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

![](ex9902001.jpg)

**Additional Loan Summary Details**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;54 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$34907189.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**54** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$34907189.00** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;54 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$34907189.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**54** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$34907189.00** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans <br> other than loans secured by real estate | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.85% | &nbsp;&nbsp;$97500.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;13 | &nbsp;&nbsp;24.07% | &nbsp;&nbsp;$7095000.00 |
| &nbsp;&nbsp;Limited Cash Out (GSE Definition) | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;15 | &nbsp;&nbsp;27.78% | &nbsp;&nbsp;$7323085.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;14 | &nbsp;&nbsp;25.93% | &nbsp;&nbsp;$12040424.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;11 | &nbsp;&nbsp;20.37% | &nbsp;&nbsp;$8351180.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**54** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$34907189.00** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;120 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;52 | &nbsp;&nbsp;96.30% | &nbsp;&nbsp;$33217189.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.70% | &nbsp;&nbsp;$1690000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**54** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$34907189.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;48 | &nbsp;&nbsp;88.89% | &nbsp;&nbsp;$33793189.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.70% | &nbsp;&nbsp;$608000.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;4 | &nbsp;&nbsp;7.41% | &nbsp;&nbsp;$506000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**54** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$34907189.00** |

---

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

![](ex9902001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;**DATA COMPARISON RESULTS** 

Of the fifty-four (54) mortgage loan files reviewed, nine (9) unique loans (16.67% by number) had ten (10) tape comparison discrepancies across five (5) data fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply Tolerance if DTI >= 43 and AUS = No | &nbsp;&nbsp;3 | &nbsp;&nbsp;54 | &nbsp;&nbsp;5.56% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;54 | &nbsp;&nbsp;3.70% |
| &nbsp;&nbsp;Primary Mortgage or Rent Times 30 | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;54 | &nbsp;&nbsp;1.85% |
| &nbsp;&nbsp;Property Type<br>| &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;54 | &nbsp;&nbsp;1.85% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;54 | &nbsp;&nbsp;5.56% |

---

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

![](ex9902001.jpg)

**Disclaimer** 

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

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

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

*The Company does not provide investment, legal, or tax advice, and the Reports may not be construed as such. Reports are issued for the benefit of the entity requesting the Report, only, and may not be used by third parties without the express written consent of the Company and the requesting party. Reports are based on available information and current regulations as of the date of the Report, and the Company disclaims any obligation to update Reports due to a change of fact of regulation which occurs after the date of issuance. Neither supplemental factual investigation nor enhanced reviews can guarantee that all information provided to the Company will be accurate. Reports are, and must be construed solely as, statements of opinion and not as statements of fact as to credit worthiness, investment, financial, or other recommendation to purchase, sell, or hold any security.* 

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

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

## Exhibit 99.02

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.02 - Schedule 1**

---

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 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 |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **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** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **Appraiser License #** | **Appraiser First Name** | **Appraisal Last Name** | **Maturity Date** | **Number of Units** |
|  |  | 2123472 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.63% | 32.63% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 7 | Borrower |  |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 12 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 55 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2121359 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 5.01% | 4.77% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2127578 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 22.59% | 22.59% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] \|\| Co Borrower | Borrower - ["2024","2025"] \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2123471 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.16% | 44.16% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | Work Visa |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 40 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2117055 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.42% | 42.42% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified, Business Bank Statements Verified, Lease Agreements Verified - ["2022","2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2022","2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 85 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2116206 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 2.48% | 2.48% | No | Yes |  |  |  |  |  |  | Not Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 0.00% |  | 33.33% | Crypto Currency | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 113 | No | 0 NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - CPA Letter Verified, 3 YRS Executed 4506T Verified - [] \|\| Co Borrower - SESCorp, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - [] \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | No | xxx | xxx | xxx | xxx | 1 |
|  |  | 2114476 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.61% | 36.61% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 65.43 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2116207 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.83% | 41.83% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 0.00% | 60.00% | 40.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] \|\| Co Borrower - SEPartnership - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 77.32 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2114482 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 13.53% | 13.53% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2123470 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 25.22% | 25.22% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 72.64 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2114486 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 22.01% | 22.01% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 90 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2114481 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 30.84% | 30.84% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | Borrower Prepared | 12 | Borrower |  |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, YTD Profit And Loss Verified, 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2025","2024"] | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 90 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2114480 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.76% | 49.76% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 46.35% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 71 | No | 0 NA | 0 | 0 | N/A | Yes | 60 | 36 | Other | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] \|\| Co Borrower - Wage, Other - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | xxx | xxx | 0 | 52 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 76.71 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2114487 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 40.66% | 40.66% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 50.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] \|\| Co Borrower - N/A | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 89.9 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2114488 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 14.76% | 14.76% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 30 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 90 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2114478 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.21% | 49.21% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 48 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2114491 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 36.98% | 36.98% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Proceeds from Sale | N/A | 0 | N/A |  |  |  | Yes | 96 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2022","2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2022","2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 79.76 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2114479 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.45% | 41.45% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 36.84 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2114484 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 9.44% | 9.44% | Yes | Yes |  |  |  |  |  |  | Not Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A | Yes | 27 | 25 | Work Number | No | 0 |  | N/A | Borrower - N/A - 3 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023","2025"] | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2114485 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 29.58% | 29.58% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 90 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2114492 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 10.91% | 10.91% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2022","2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2022","2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 90 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2114490 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.37% | 41.37% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 90 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2114489 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.98% | 36.98% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, SESoleProprietor, SEPartnership, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 85 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2117057 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 6.79% | 6.79% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 88.56 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2117054 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 30.07% | 37.27% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 95 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2114477 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.46% | 43.46% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 66.67 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2117058 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 18.34% | 18.34% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 13 | No | N/A | 0 | 0 | 100.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Yes | N/A | xxx | xxx | xxx | xxx | No | 85 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2123181 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 19.36% | 19.36% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 60 | No | 0 NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA PATRIOT ACT | xxx | United States | xxx |  |  | I-151 Permanent Resident Card |  | xxx | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA PATRIOT ACT | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 85 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2117056 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.30% | 42.30% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 85 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2123182 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.88% | 49.88% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2127863 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 27.63% | 27.63% | No | Unknown | 1 |  | 3 |  | 3 |  | Self-Employed | Self-Employed | Self-Employed |  | 2.83 |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 275 | Yes | 277 NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] \|\| Co Borrower 2 - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] \|\| Co Borrower 2 - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 85 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2123185 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 36.11% | 36.11% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Yes | N/A | xxx | xxx | xxx | xxx | No | 85 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2123184 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 39.41% | 39.41% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  |  | Yes | 24 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 84 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2123187 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 48.77% | 48.77% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | Yes | xxx | xxx | xxx | xxx | 1 |
|  |  | 2123183 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 41.78% | 41.78% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | Yes | Yes | No | No | 0 | No | Yes | Yes | 12 | 0 | No | N/A | 0 | 0 | 49.05% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, SSI and Disability - 3 YRS Executed 4506T Verified, Award Letter Verified, Personal Bank Statements Verified - ["2024","2025"] \|\| Co Borrower - Wage, SSI and Disability - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, Award Letter Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2123186 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 17.60% | 17.60% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 233 | Yes | 233 NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Passport | USA Patriot Act | xxx | United States | xxx | Vietnam | xxx | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 63.83 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2127864 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 27.38% | 27.38% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 42 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 90 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2125713 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 47.03% | 47.03% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] \|\| Co Borrower - N/A - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.14 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2125715 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 33.53% | 33.53% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | Yes | 60 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 90 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2125716 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.98% | 41.98% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | Yes | Yes | 0 | 24 | 0.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 120 | Yes | 120 NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] \|\| Co Borrower - SEPartnership - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.99 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2127867 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 40.61% | 40.61% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 204 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 85 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2127869 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.374 | 1.373 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2127862 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 23.16% | 23.16% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2127866 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 21.46% | 21.46% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 120 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 63.43 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2127865 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 21.62% | 21.62% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | Yes | 189 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 79.56 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2127868 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.21% | 46.21% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 2 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 50.00% | 50.00% |  | Borrower Prepared | 12 | Borrower | Borrower Prepared | Borrower | 12 | Yes | 24 | Yes | 24 NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024"] \|\| Co Borrower - SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024"] | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024"] \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 74.59 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2129600 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.84% | 40.84% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Missing | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Missing CPA Letter Verified, Business Bank Statements Verified - ["2025"] | Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Passport |  | xxx | United States | xxx | USA | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2129601 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 13.80% | 13.80% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 85 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2132359 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.70% | 44.70% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 80.68% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 85 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Wage - CPA Letter Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Business Bank Statements Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2132363 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 38.90% | 38.90% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 85 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2132364 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 24.30% | 24.30% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 36 | No | 0 NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025"] \|\| Co Borrower | Borrower - ["2025"] \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 57.6 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2047432 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | Yes | xxx | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.43 | 1.43 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2130374 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.443 | 1.443 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
|  |  | 2133190 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.692 | 1.69 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 2 |

---

## Exhibit 99.02

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.02 - Schedule 2**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| 2127869 |  | 2127869 | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 86.65 | 1.373 | 1.374 | xxx |  |  | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 6.9 | 1 | 1 | N/A | xxx | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 2047432 |  | 2047432 | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 69.94 | 1.43 | 1.43 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 1 | 1 | 1 | N/A | xxx | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |
| 2130374 |  | 2130374 | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 69.28 | 1.443 | 1.443 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0 | 1 | 1 | N/A | xxx | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |
| 2133190 |  | 2133190 | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 59.12 | 1.69 | 1.692 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | xxx |  |  |  |  |  |  |  | No | 1.5 | 1 | 1 | N/A | xxx | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | xxx |

---

## Exhibit 99.02

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.02 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
|  |  | 2123472 C B A | Closed | finding-3634 | 2025-09-24 09:53 | 2025-10-14 11:19 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-10/14/2025 <br> Resolved- - Due Diligence Vendor-10/14/2025 <br> Ready for Review-CURE - Due Diligence Vendor-10/14/2025 <br> Open-The following charges have been increased: Transfer tax resulting in a 0% tolerance cure in the amount of xxx. Please provide 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-09/24/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-09/24/2025 <br> Open- - Due Diligence Vendor-09/24/2025 |  | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-10/14/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.67 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.63% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.74 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.83 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5650973 |
|  |  | 2123472 C B A | Closed | finding-3631 | 2025-09-24 09:53 | 2025-10-14 11:19 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-10/14/2025 <br> Resolved- - Due Diligence Vendor-10/14/2025 <br> Ready for Review-CURE - Due Diligence Vendor-10/14/2025 <br> Open-The following charges have been increased: Transfer tax resulting in a 0% tolerance cure in the amount of xxx. Please provide 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-09/24/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-09/24/2025 <br> Open- - Due Diligence Vendor-09/24/2025 |  | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-10/14/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.67 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.63% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.74 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.83 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5650974 |
|  |  | 2123472 C B A | Closed | finding-3632 | 2025-09-24 09:53 | 2025-10-14 11:19 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-10/14/2025 <br> Resolved- - Due Diligence Vendor-10/14/2025 <br> Ready for Review-CURE - Due Diligence Vendor-10/14/2025 <br> Open-The following charges have been increased: Transfer tax resulting in a 0% tolerance cure in the amount of xxx. Please provide 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-09/24/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-09/24/2025 <br> Open- - Due Diligence Vendor-09/24/2025 |  | Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-10/14/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.67 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.63% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.74 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.83 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5650975 |
|  |  | 2123472 C B A | Closed | FCRE8611 | 2025-09-22 05:48 | 2025-09-23 11:15 | Waived | 2 - Non-Material B | Credit | Income | Income/Employment General | Waived-Exception approval to allow proof of borrower regular mortgage payment such as : xxx Loan Payment History from xxx<br> Resolutions, Borrower LOE of 2nd lien mortgage payment to xxx- Due Diligence Vendor-09/22/2025 |  | Waived-Exception approval to allow proof of borrower regular mortgage payment such as : xxx Loan Payment History from xxx <br> Resolutions, Borrower LOE of 2nd lien mortgage payment to xxx - Due Diligence Vendor-09/22/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.67 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.63% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.74 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.83 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 | Current FICO is of xxx while min required score is 660 for xxx exceeds minimum credit score requirement by at least xxx points. - DTI is 32.276% less than Debt Ratio of 35% <br> Borrower is 100% as owner - Borrower had applied xxx mortgage payment at times when a xxx would have been acceptable |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 5613845 |
|  |  | 2123472 C B A | Closed | FCRE1441 | 2025-09-23 10:12 | 2025-09-23 11:15 | Waived | 2 - Non-Material B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Delinquent Credit History Does Not Meet Guideline Requirements Lender exception for not meeting 0x30x12 as VOM reflects 30 days overdue in each of last 12 months. Lender provided payment ledger made by the borrower from xxx. - Due Diligence Vendor-09/23/2025 |  | Waived-Delinquent Credit History Does Not Meet Guideline Requirements Lender exception for not meeting 0x30x12 as xxx reflects 30 days overdue in each of last 12 months. Lender provided payment ledger made by the borrower from xxx. - Due Diligence Vendor-09/23/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.67 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.63% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.74 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.83 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 | FICO xxx<br> DTI < 5%+ below max<br> Borrower applied additional monies to minimum 2nd mortgage payment. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 5633338 |
|  |  | 2121359 B A | Closed | FCRE8201 | 2026-01-30 13:44 | 2026-01-30 13:45 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Lender exception granted for total property acreage: Maximum allowed is 2 acres, subject property is XXX acres. - Due Diligence Vendor-01/30/2026 |  | Waived-Lender exception granted for total property acreage: Maximum allowed is 2 acres, subject property is XXXX acres. - Due Diligence Vendor-01/30/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.9 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 5.01% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.42 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 28.33 Years | 1. Low DTI of 18.838%<br> 2. FICO of xxx is xxx points higher than the minimum required<br> 3. Post closing reserves of 15.16 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 7380023 |
|  |  | 2121359 B A | Closed | FCRE1199 | 2025-10-06 07:37 | 2026-01-30 13:43 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Audited Loan Amount of xxx is greater than the Guideline Maximum Loan Amount of $750000 Exception to allow loan amount of xxx. As per guidelines, max loan amount for a rural property is xxx. - Due Diligence Vendor-10/06/2025 |  | Waived-Audited Loan Amount of xxx is greater than the Guideline Maximum Loan Amount of xxx Exception to allow loan amount of xxx. As per guidelines, max loan amount for a rural property is xxx. - Due Diligence Vendor-10/06/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.9 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 5.01% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.42 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 28.33 Years | 1. Low DTI of 18.838%<br> 2. FICO of xxx is xxx points higher than the minimum required<br> 3. Post closing reserves of 15.16 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 5780105 |
|  |  | 2121359 B A | Closed | FCRE1194 | 2025-10-06 07:37 | 2026-01-30 13:42 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% Exception to allow LTV of 75%. As per guidelines, max LTV allowed for a rural property is 70%. - Due Diligence Vendor-10/06/2025 |  | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% Exception to allow LTV of 75%. As per guidelines, max LTV allowed for a rural property is 70%. - Due Diligence Vendor-10/06/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.9 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 5.01% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.42 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 28.33 Years | 1. Low DTI of 18.838%<br> 2. FICO of xxx is xxx points higher than the minimum required<br> 3. Post closing reserves of 15.16 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 5780104 |
|  |  | 2121359 B A | Closed | FCRE3874 | 2025-10-06 05:37 | 2025-10-06 07:41 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Exception required for the property is in rural zone. As per guidelines, rural zone property is ineligible. - Due Diligence Vendor-10/06/2025 |  | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Exception required for the property is in rural zone. As per guidelines, rural zone property is ineligible. - Due Diligence Vendor-10/06/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.9 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 5.01% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.42 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 28.33 Years | 1. Low DTI of 18.838%<br> 2. FICO of xxx is xxx points higher than the minimum required<br> 3. Post closing reserves of 15.16 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 5779307 |
|  |  | 2123471 D B C A | Closed | FCRE1858 | 2025-11-04 04:05 | 2025-11-04 10:53 | Waived | 2 - Non-Material B | Credit | Borrower | First time Home-Buyer but Mtg on credit history | Waived-Borrower does not meet the required 15% applicant contribution for FTHB with no rental history. <br> - Due Diligence Vendor-11/04/2025 |  | Waived-Borrower does not meet the required 15% applicant contribution for FTHB with no rental history. <br> - Due Diligence Vendor-11/04/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.74 Years | • Borrower exceeds minimum credit score requirement by 17 points <br> • Housing ratio of 30% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 6109991 |
|  |  | 2123471 D B C A | Closed | FCRE1437 | 2025-11-04 04:41 | 2025-11-04 10:53 | Waived | 2 - Non-Material B | Credit | Income | Income and Employment Do Not Meet Guidelines | Waived-Income and Employment Do Not Meet Guidelines Borrower is NPRA. 12-month bank statement not allowed. - Due Diligence Vendor-11/04/2025 |  | Waived-Income and Employment Do Not Meet Guidelines Borrower is NPRA. 12-month bank statement not allowed. - Due Diligence Vendor-11/04/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.74 Years | Borrower exceeds minimum credit score requirement by 17 points. <br> Housing ratio of 30%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 6110116 |
|  |  | 2123471 D B C A | Closed | FCRE2502 | 2025-11-04 04:46 | 2025-11-04 10:52 | Waived | 2 - Non-Material B | Credit | Eligibility | Transaction is not arm's length | Waived-Non-Arm's Length Transaction Exception to allow FSBO and non-arm's length transaction. - Due Diligence Vendor-11/04/2025 |  | Waived-Non-Arm's Length Transaction Exception to allow FSBO and non-arm's length transaction. - Due Diligence Vendor-11/04/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.74 Years | Borrower exceeds minimum credit score requirement by 17 points <br> Housing ratio of 30% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 6110143 |
|  |  | 2123471 D B C A | Closed | FCRE1491 | 2025-11-04 04:51 | 2025-11-04 10:52 | Waived | 2 - Non-Material B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Asset Qualification Does Not Meet Guideline Requirements Borrower is NPRA. Exception to allow the use of gift of equity. - Due Diligence Vendor-11/04/2025 |  | Waived-Asset Qualification Does Not Meet Guideline Requirements Borrower is NPRA. Exception to allow the use of gift of equity. - Due Diligence Vendor-11/04/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.74 Years | Borrower exceeds minimum credit score requirement by 17 points <br> Housing ratio of 30% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 6110157 |
|  |  | 2123471 D B C A | Closed | FPRO1144 | 2025-11-04 04:55 | 2025-11-04 10:52 | Waived | 2 - Non-Material B | Property | Appraisal | 1004D Completion Report is not on an as-is basis | Waived-Guideline requires an "as is" transfer appraisal report. Requesting exception approval for "subject to" transfer appraisal. 1004-D has been <br> requested for the completion of the following: <br> 1. Repairing rotting wood on exterior of subject. <br> 2. Replace missing flooring in top left bedroom. <br> 3. Repairing broken door frame and door going into storage room. <br> 4. Repairing damaged front door. <br> 5. Repair rotting wood on carport. - Due Diligence Vendor-11/04/2025 | 1004D was provided showing repairs made, missing original appraisal - 11/04/2025 <br>| Waived-Guideline requires an "as is" transfer appraisal report. Requesting exception approval for "subject to" transfer appraisal. 1004-D has been <br> requested for the completion of the following: <br> 1. Repairing rotting wood on exterior of subject. <br> 2. Replace missing flooring in top left bedroom. <br> 3. Repairing broken door frame and door going into storage room. <br> 4. Repairing damaged front door. <br> 5. Repair rotting wood on carport. - Due Diligence Vendor-11/04/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.74 Years | Borrower exceeds minimum credit score requirement by 17 points <br> Housing ratio of 30% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 6110176 |
|  |  | 2123471 D B C A | Closed | FCRE9068 | 2025-11-04 04:57 | 2025-11-04 10:51 | Waived | 2 - Non-Material B | Credit | Eligibility | Residual Income Does Not Meet Guideline Requirements | Waived-Exception on not meeting the residual income requirement of xxx. Current residual income is xxx. - Due Diligence Vendor-11/04/2025 |  | Waived-Exception on not meeting the residual income requirement of xxx. Current residual income is xxx. - Due Diligence Vendor-11/04/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.74 Years | Borrower exceeds minimum credit score requirement by 17 points <br> Housing ratio of 30% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 6110183 |
|  |  | 2117055 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
|  |  | 2114486 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
|  |  | 2114481 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
|  |  | 2114480 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
|  |  | 2114488 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
|  |  | 2114479 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other |  |  |  |
|  |  | 2114484 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA |  |  |  |
|  |  | 2114485 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
|  |  | 2114489 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
|  |  | 2114477 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
|  |  | 2117058 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
|  |  | 2123182 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
|  |  | 2123185 D B C A | Closed | FCRE1728 | 2026-01-13 15:27 | 2026-01-13 15:27 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Waived-Guideline requires 1007 on departing residence Exception pg 445 - Due Diligence Vendor-01/13/2026 |  | Waived-Guideline requires 1007 on departing residence Exception pg 445 - Due Diligence Vendor-01/13/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.25 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.25 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.67 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 28.67 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.11% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 36.11% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | 7073337 |
|  |  | 2123184 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
|  |  | 2123183 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
|  |  | 2123186 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
|  |  | 2127864 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
|  |  | 2125713 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
|  |  | 2125716 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
|  |  | 2127862 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
|  |  | 2127865 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
|  |  | 2127868 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
|  |  | 2129600 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
|  |  | 2129601 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
|  |  | 2132359 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
|  |  | 2132363 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
|  |  | 2132364 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
|  |  | 2047432 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
|  |  | 2130374 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
|  |  | 2123185 D B C A | Closed | FCOM7353 | 2026-01-13 01:27 | 2026-01-19 11:54 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-\*\*Received confirmation of application date. - Due Diligence Vendor-01/19/2026 <br>Ready for Review-Document Uploaded. - Seller-01/16/2026 <br>Counter-Lender to provide copy of internal compliance test results for review. - Due Diligence Vendor-01/16/2026 <br>Ready for Review-Document Uploaded. - Seller-01/15/2026 <br>Open-Documentation provided does not include confirmation of the borrower's application date. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you... - Due Diligence Vendor-01/13/2026 | Ready for Review-Document Uploaded. - Seller-01/16/2026 <br>Ready for Review-Document Uploaded. - Seller-01/15/2026<br>| Resolved-\*\*Received confirmation of application date. - Due Diligence Vendor-01/19/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.25 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.25 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.67 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 28.67 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.11% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 36.11% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 7054733 |
|  |  | 2133190 C A | Closed | FPRO1245 | 2026-02-02 05:23 | 2026-02-05 14:02 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal is Expired | Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-02/05/2026 <br>Ready for Review-Document Uploaded. - Buyer-02/04/2026 <br>Open-Primary Value Appraisal is Expired Provide appraisal update report, full appraisal in file is over 120 days old from note date. - Due Diligence Vendor-02/03/2026 |  | Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-02/05/2026<br>| Borrower At Current Residence For Five (5) Or More Years - <br> Borrower At Current Residence For Five (5) Or More Years - 20.00 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7392482 |
|  |  | 2114478 D A | Closed | FCRE7805 | 2025-12-29 08:44 | 2025-12-30 12:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-xxx provided - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. - Seller-12/30/2025 <br> Open-Missing Bk statement for xx acct xxx period xxx used for income qualifying - Due Diligence Vendor-12/29/2025 | Ready for Review-Document Uploaded. - Seller-12/30/2025<br>| Resolved-xxx provided - Due Diligence Vendor-12/30/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6829217 |
|  |  | 2123471 D B C A | Closed | FPRO1242 | 2025-11-04 03:09 | 2025-11-17 10:06 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. - Seller-11/14/2025 <br> Open-Appraisal is Missing Provide Appraisal Document for Subject Property with the Value is xxx. - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. - Seller-11/14/2025<br>| Resolved-Appraisal has been provided - Due Diligence Vendor-11/17/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.74 Years |  | APPRAISAL TRANSFER REPORT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6109814 |
|  |  | 2125715 D A | Closed | FCRE7805 | 2026-01-26 12:39 | 2026-01-29 10:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-xxx bank statement provided. - Due Diligence Vendor-01/29/2026 <br> Ready for Review-Document Uploaded. - Seller-01/28/2026 <br> Counter-The condition is for the xxx - xxx.xxx bank statement xxx used for Income qualifications per the Lenders Income worksheet - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. As per UW : October not needed.<br> Chase 11/20-12/16<br> xxx Trans history 12/24-01/12 - Seller-01/27/2026 <br> Open-missing business xx account xxx for xxx used for income qualifying - Due Diligence Vendor-01/26/2026 | Ready for Review-Document Uploaded. - Seller-01/28/2026 <br> Ready for Review-Document Uploaded. As per UW : October not needed.<br> xxx<br> xxx Trans history xxx - Seller-01/27/2026 | Resolved-xxx bank statement provided. - Due Diligence Vendor-01/29/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.08 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.08 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.34 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.53% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 33.53% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.88 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 17.88 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 7299359 |
|  |  | 2123187 D A | Closed | FCRE5770 | 2026-01-14 05:44 | 2026-01-16 12:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-01/16/2026 <br>Ready for Review-Document Uploaded. - Seller-01/15/2026 <br>Open-Borrower 1 Credit Report is Missing. Credit Report is Missing. - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. - Seller-01/15/2026<br>| Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-01/16/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.84 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 38.84 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.94 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.94 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | CREDIT REPORT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 7081559 |
|  |  | 2114482 C A | Closed | FCRE1197 | 2025-12-16 05:03 | 2025-12-23 12:56 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Audited FICO of xxx is greater than or equal to Guideline FICO of 640 - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. Please be advise that the Matrix that we provided was directly from xxx dated xxx. <br>See attached Eligibility matrix from xxx they will accept the Fico Score of xxx. - Seller-12/18/2025 <br> Counter-Document Uploaded. Initial Application date is xxx - Guideline matrix used is dated xxx xxx - Primary Purchase - Bank statements - Max Loan amount xxx - Mini Fico is xxx - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. See attached Eligibility matrix from xxx they will accept the Fico Score of xxx. - Seller-12/17/2025 <br> Open-Audited FICO of xxx is less than Guideline FICO of 660 - Due Diligence Vendor-12/16/2025 | Ready for Review-Document Uploaded. Please be advise that the Matrix that we provided was directly from xxx dated xxx. <br>See attached Eligibility matrix from xxx they will accept the Fico Score of xxx. - Seller-12/18/2025 <br> Ready for Review-Document Uploaded. See attached Eligibility matrix from xxx they will accept the Fico Score of xxx. - Seller-12/17/2025 | Resolved-Audited FICO of xxx is greater than or equal to Guideline FICO of 640 - Due Diligence Vendor-12/23/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.53% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 13.53% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6637940 |
|  |  | 2123471 D B C A | Closed | FCRE1193 | 2025-11-04 05:00 | 2025-11-19 08:25 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Exception granted with supporting comp factors: Current DTI of 44.165%. Exceeds max DTI of 43% for FTHB. - Due Diligence Vendor-11/19/2025 <br>Ready for Review-Document Uploaded. Current uploaded exception my dti is at 45.455% at the time of approval - Seller-11/18/2025 <br>Counter-2 parts - (1) Exception form needs to be E-signed and dated and (2) the Approved exception for does not address the DTI exceeding Guidelines. - Due Diligence Vendor-11/17/2025 <br>Ready for Review-Document Uploaded. - Seller-11/14/2025 <br>Open-Audited DTI of 44.16% exceeds Guideline DTI of 43% Lender exception needed for DTI for no housing history rent free borrower - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. Current uploaded exception my dti is at 45.455% at the time of approval - Seller-11/18/2025 <br>Ready for Review-Document Uploaded. - Seller-11/14/2025<br>| Waived-Exception granted with supporting comp factors: Current DTI of 44.165%. Exceeds max DTI of 43% for FTHB. - Due Diligence Vendor-11/19/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.74 Years | Borrower exceeds minimum credit score requirement by 17 points<br> Housing ratio of 30% | EXCEPTION FORM.pdf<br>EXCEPTION FORM (1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 6110195 |
|  |  | 2123471 D B C A | Closed | FCRE1198 | 2025-11-04 04:18 | 2025-11-17 14:48 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception granted with supporting comp factors: Borrower is NPRA. Exception to allow the use of gift of equity - Due Diligence Vendor-11/17/2025 <br>Ready for Review-Document Uploaded. - Seller-11/17/2025 <br>Counter-Exception form needs to be E-signed and dated - Due Diligence Vendor-11/17/2025 <br>Ready for Review-Document Uploaded. - Seller-11/14/2025 <br>Open-Audited Reserves of 0.79 are less than Guideline Required Reserves of 6 Missing lender exception, gift of equity not allowed for reserves. - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. - Seller-11/17/2025 <br>Ready for Review-Document Uploaded. - Seller-11/14/2025<br>| Waived-Exception granted with supporting comp factors: Borrower is NPRA. Exception to allow the use of gift of equity - Due Diligence Vendor-11/17/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.74 Years | Borrower exceeds minimum credit score requirement by 17 points<br> Housing ratio of 30% | EXCEPTION FORM.pdf<br>EXCEPTION FORM (1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 6110031 |
|  |  | 2114482 C A | Closed | FCRE1198 | 2025-12-16 05:03 | 2025-12-23 12:56 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 6.69 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. - Seller-12/18/2025 <br> Counter-Subject Property is a Primary Purchase, PCCD is required. - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. Please see the attached Final SS – Funds to close.<br> xxx<br> xxx plus the Credit of xxx<br> xxx<br> Cash needed to close is less than the amount of xxx. - Seller-12/17/2025 <br> Open-Audited Reserves of 5.15 are less than Guideline Required Reserves of 6. Cash to close xxx; total assets xxx,.47 xxx acct xxx. required reserves xxx. Reserve shortage xxx - Due Diligence Vendor-12/16/2025 | Ready for Review-Document Uploaded. - Seller-12/18/2025 <br> Ready for Review-Document Uploaded. Please see the attached Final SS – Funds to close.<br> xxx<br> xxx plus the Credit of xxx<br> xxx<br> Cash needed to close is less than the amount of xxx. - Seller-12/17/2025 | Resolved-Audited Reserves of 6.69 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-12/22/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.53% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 13.53% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6637941 |
|  |  | 2114491 D A | Closed | FCRE1469 | 2025-12-24 06:25 | 2025-12-29 13:48 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. final SS - Seller-12/29/2025 <br> Open-Asset 3 Missing Provide Net Proceeds xxx Proof of Document for the Current Property xxx. - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. final SS - Seller-12/29/2025<br>| Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-12/29/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.6 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 14.6 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 36.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | FINAL HUD-1 ON SOLD PROPERTY (6).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6784699 |
|  |  | 2114476 C B A | Closed | FCRE1198 | 2025-11-26 11:18 | 2025-12-11 11:46 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception granted with supporting comp factors: it was discovered we are short the required 12 months of reserves by xxx due to a miscalculation of xxx 30 days account. The xxx balance of xxx was not considered in reserves requirement. We do have 11.9 months in reserves. - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. - Seller-12/09/2025 <br> Counter-Audited Reserves of 11.9 are less than Guideline Required Reserves of 12 - the xxx 30 day account appears to not be included in the required total reserves. <br> Total assets verified xxx. PITIA Reserves required at 12 months xxx + open 30 day accounts xxx- CTC xxx - Short reserves xxx - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. - Seller-12/03/2025 <br> Counter-Subject Loan is a xxx, Missing PCCD - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. - Seller-12/01/2025 <br> Open-Audited Reserves of 11.9 are less than Guideline Required Reserves of 12 Total assets verified xxx. Reserves required at 12 months xxx + open 30 day accounts xxx cash to close xxx. Short reserves xxx - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. - Seller-12/09/2025 <br>Ready for Review-Document Uploaded. - Seller-12/03/2025 <br>Ready for Review-Document Uploaded. - Seller-12/01/2025<br>| Waived-Exception granted with supporting comp factors: it was discovered we are short the required 12 months of reserves by xxx due to a miscalculation of xxx 30 days account. The xxx balance of xxx was not considered in reserves requirement. We do have 11.9 months in reserves. - Due Diligence Vendor-12/11/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65.43% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 65.43% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.55 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.55 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.61% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 36.61% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.30 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.30 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 | Excellent Credit <br> Strong Employment history with each borrower respectively 10 Years with same employer <br> Full Doc <br> Excellent Residual Income of xxx monthly.  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 6401504 |
|  |  | 2114490 D A | Closed | FCRE1201 | 2025-12-29 01:44 | 2025-12-30 15:59 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/30/2025 <br>Ready for Review-Document Uploaded. - Seller-12/30/2025 <br>Open-Missing Third Party Fraud Report Missing complete Third Party Fraud Report . Only the excluded party report was in file - Due Diligence Vendor-12/29/2025 | Ready for Review-Document Uploaded. - Seller-12/30/2025<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/30/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - calculated DTI Of 41.37% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 41.37% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years Borrower At Current Residence For Five (5) Or More Years - 8.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.27 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 16.27 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.37 Year Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.37 Years |  | FR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6826110 |
|  |  | 2127866 D A | Closed | FCRE1202 | 2026-02-02 12:42 | 2026-02-04 13:35 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-02/04/2026 <br>Ready for Review-Document Uploaded. - Seller-02/04/2026 <br>Open-Third Party Fraud Report Partially Provided; missing are the cleared alerts, etc. - Due Diligence Vendor-02/02/2026 | Ready for Review-Document Uploaded. - Seller-02/04/2026<br>| Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-02/04/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.43% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 63.43% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 21.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.75 Years Borrower At Current Residence For Five (5) Or More Years - 5.75 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.09 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.09 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.09 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.09 Years |  | FRAUDGUARD PDF.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7401626 |
|  |  | 2123185 D B C A | Closed | FCRE1202 | 2026-01-13 15:03 | 2026-01-16 12:14 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-01/16/2026 <br>Ready for Review-Document Uploaded. - Seller-01/15/2026 <br>Open-Third Party Fraud Report Partially Provided Missing the higher alerts and they were cleared, etc. File contained the exclusionary list - Due Diligence Vendor-01/13/2026 | Ready for Review-Document Uploaded. - Seller-01/15/2026<br>| Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-01/16/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.25 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.25 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.67 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 28.67 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.11% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 36.11% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | FRAUDGUARD REPORT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 7072788 |
|  |  | 2116206 D A | Closed | FVAL1310 | 2025-11-25 15:11 | 2025-12-01 14:56 | Resolved | 1 - Information D A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-12/01/2025 <br>Ready for Review-Document Uploaded. - Seller-12/01/2025 <br>Open-HOA Questionnaire Document status is Missing. - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. - Seller-12/01/2025<br>| Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-12/01/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 90.71 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 2.48% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.87 Years<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.50 Years |  | HOA QUESTIONNAIRE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6388693 |
|  |  | 2127867 D A | Closed | FCRE9549 | 2026-01-29 13:58 | 2026-02-02 14:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Credit Report Supplement is missing | Resolved-Documentation supporting business pays xxx loan provided. - Due Diligence Vendor-02/02/2026 <br> Ready for Review-Document Uploaded. The business has been paying the xxx loan, and it is supported by the business bank statements xxx. The withdrawal is from xxx for xxx each month. The borrower has rounded the payment up which is why we are not seeing xxx. Here is the credit report. We also have the CPA confirming that the company does pay the auto. Let me know if we need anything else<br>See the attached Bank Stmts. - Seller-01/31/2026 <br> Open-Documentation for omission of XXX debt pmt xxx with balance of xxx. CD did not reflect being paid at close or prrof paid by other - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. The business has been paying the xxx loan, and it is supported by the business bank statements xxx. The withdrawal is from xxx for xxx each month. The borrower has rounded the payment up which is why we are not seeing xxx. Here is the credit report. We also have the CPA confirming that the company does pay the xxx. Let me know if we need anything else<br>See the attached Bank Stmts. - Seller-01/31/2026 | Resolved-Documentation supporting business pays xxx loan provided. - Due Diligence Vendor-02/02/2026 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.66 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.66 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.00 Years Borrower At Current Residence For Five (5) Or More Years - 18.00 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.66 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.66 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 7356910 |
|  |  | 2127578 D A C | Closed | FCOM1797 | 2025-10-10 18:46 | 2025-11-19 09:05 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-Initial Disclosures and ILE provided - Due Diligence Vendor-11/19/2025 <br>Ready for Review-Document Uploaded. - Seller-11/18/2025 <br>Open-Service provider list is misisng - Due Diligence Vendor-10/10/2025 | Ready for Review-Document Uploaded. - Seller-11/18/2025<br>| Resolved-Initial Disclosures and ILE provided - Due Diligence Vendor-11/19/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - V Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - V Borrower At Current Residence For Five (5) Or More Years - 9.58 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - V Calculated DTI Of 22.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - V Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.18 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - V Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.18 Years |  | INITIAL DISCLOSURE PACKAGE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 5863195 |
|  |  | 2127578 D A C | Closed | FCOM5135 | 2025-10-10 18:45 | 2025-11-19 08:50 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-11/19/2025 <br>Ready for Review-Document Uploaded. - Seller-11/18/2025 <br>Open-Required Affiliated Business Disclosure Missing Affiliated Business Disclosure Missing - Due Diligence Vendor-10/12/2025 | Ready for Review-Document Uploaded. - Seller-11/18/2025<br>| Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-11/19/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - V Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - V Borrower At Current Residence For Five (5) Or More Years - 9.58 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - V Calculated DTI Of 22.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - V Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.18 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - V Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.18 Years |  | INITIAL DISCLOSURE PACKAGE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 5863190 |
|  |  | 2127578 D A C | Closed | FCRE7497 | 2025-10-11 18:05 | 2025-12-24 14:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOI Policy provided. - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Document Uploaded. - Seller-12/24/2025 <br> Counter-The condition is for Missing HOI Policy for xxx. - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. - Seller-11/18/2025 <br> Open-Missing Insurance verfication for xxx. - Due Diligence Vendor-10/11/2025 | Ready for Review-Document Uploaded. - Seller-12/24/2025 <br>Ready for Review-Document Uploaded. - Seller-11/18/2025<br>| Resolved-HOI Policy provided. - Due Diligence Vendor-12/24/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - V Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - V Borrower At Current Residence For Five (5) Or More Years - 9.58 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - V Calculated DTI Of 22.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - V Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.18 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - V Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.18 Years |  | INITIAL DISCLOSURE PACKAGE.pdf<br>HOME OWNERï¿½S INSURANCE (SECOND HOME _ INV).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 5865658 |
|  |  | 2127578 D A C | Closed | FCOM1252 | 2025-10-10 18:47 | 2025-11-19 09:05 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-Initial Disclosures and ILE provided - Due Diligence Vendor-11/19/2025 <br>Ready for Review-Document Uploaded. - Seller-11/18/2025 <br>Open-Documentation provided does not contain the Initial loan estimation and RLE~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-10/10/2025 | Ready for Review-Document Uploaded. - Seller-11/18/2025<br>| Resolved-Initial Disclosures and ILE provided - Due Diligence Vendor-11/19/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - V Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - V Borrower At Current Residence For Five (5) Or More Years - 9.58 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - V Calculated DTI Of 22.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - V Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.18 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - V Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.18 Years |  | INITIAL DISCLOSURE PACKAGE.pdf<br>VERIFICATION OF RECEIPT OF CD 1.pdf<br>VERIFICATION OF RECEIPT OF CD.pdf<br>CHANGE OF CIRCUMSTANCE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 5863204 |
|  |  | 2127863 C B A | Closed | finding-3631 | 2026-01-13 10:19 | 2026-02-04 09:25 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Received cure package - Due Diligence Vendor-02/04/2026 <br> Resolved-\*\*\*Received cure package - Due Diligence Vendor-02/04/2026 <br> Resolved- - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. - Seller-02/03/2026 <br> Counter-\*\*Received incomplete cure package. Missing copy of the refund check. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. - Seller-02/02/2026 <br> Open-\*\*\*\* Finding in relation to \*\*\*\* The following charges have been either added or increased: Credit Report resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/13/2026 <br> Open- - Due Diligence Vendor-01/13/2026 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/13/2026 <br> Open- - Due Diligence Vendor-01/13/2026 | Ready for Review-Document Uploaded. - Seller-02/03/2026 <br>Ready for Review-Document Uploaded. - Seller-02/02/2026<br>| Cured-Received cure package - Due Diligence Vendor-02/04/2026 <br>Resolved-\*\*\*Received cure package - Due Diligence Vendor-02/04/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.63% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 27.63% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | LABEL.pdf<br>PCCD.pdf<br>LOE.pdf<br>REFUND CHECK.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 7062025 |
|  |  | 2127863 C B A | Closed | finding-3634 | 2026-01-13 10:19 | 2026-02-04 09:25 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-\*\*\*Received cure package - Due Diligence Vendor-02/04/2026 <br> Resolved-\*\*\*Received cure package - Due Diligence Vendor-02/04/2026 <br> Resolved- - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. - Seller-02/03/2026 <br> Counter-\*\*Received incomplete cure package. Missing copy of the refund check. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. - Seller-02/02/2026 <br> Open-\*\*\*\* The following charges have been either added or increased: Credit Report resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/13/2026 <br> Open- - Due Diligence Vendor-01/13/2026 <br> Open- - Due Diligence Vendor-01/13/2026 | Ready for Review-Document Uploaded. - Seller-02/03/2026 <br>Ready for Review-Document Uploaded. - Seller-02/02/2026<br>| Cured-\*\*\*Received cure package - Due Diligence Vendor-02/04/2026 <br>Resolved-\*\*\*Received cure package - Due Diligence Vendor-02/04/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.63% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 27.63% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | LABEL.pdf<br>PCCD.pdf<br>LOE.pdf<br>REFUND CHECK.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 7062024 |
|  |  | 2127863 C B A | Closed | finding-3632 | 2026-01-13 10:19 | 2026-02-04 09:23 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*\*Received cure package - Due Diligence Vendor-02/04/2026 <br> Resolved- - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. - Seller-02/03/2026 <br> Counter-\*\*Received incomplete cure package. Missing copy of the refund check. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. - Seller-02/02/2026 <br> Open-\*\*\*\* Finding in relation to \*\*\*\* The following charges have been either added or increased: Credit Report resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/13/2026 <br> Open- - Due Diligence Vendor-01/13/2026 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/13/2026 <br> Open- - Due Diligence Vendor-01/13/2026 | Ready for Review-Document Uploaded. - Seller-02/03/2026 <br>Ready for Review-Document Uploaded. - Seller-02/02/2026<br>| Resolved-\*\*\*Received cure package - Due Diligence Vendor-02/04/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.63% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 27.63% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | LABEL.pdf<br>PCCD.pdf<br>LOE.pdf<br>REFUND CHECK.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 7062026 |
|  |  | 2127869 D A | Closed | FCRE5116 | 2026-01-29 16:51 | 2026-02-04 13:42 | Resolved | 1 - Information D A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-12 Months pf bank statement and LOE provided. - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. - Seller-02/04/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing VOR for primary at xxx (xxx in file) - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. - Seller-02/04/2026<br>| Resolved-12 Months pf bank statement and LOE provided. - Due Diligence Vendor-02/04/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.74 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 28.74 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | LOE.pdf<br>VOM MORTGAGE_RENTAL VERIFICATION.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 7360042 |
|  |  | 2133190 C A | Closed | FCRE1479 | 2026-02-03 09:26 | 2026-02-11 13:28 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset 1 Meets Guideline Requirements - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. - Buyer-02/10/2026 <br> Counter-The condition is for Provide proof of secured funds missing in the file in the amount of xxx required to close- cash out from other property- xxx- Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. - Buyer-02/05/2026 <br> Open-Asset 1 Does Not Meet Guideline Requirements Provide proof of secured funds missing in the file in the amount of xxx required to close- cash out from other property-xxx - Due Diligence Vendor-02/03/2026 |  | Resolved-Asset 1 Meets Guideline Requirements - Due Diligence Vendor-02/11/2026<br>| Borrower At Current Residence For Five (5) Or More Years - <br> Borrower At Current Residence For Five (5) Or More Years - 20.00 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7414882 |
|  |  | 2127863 C B A | Closed | FCRE1198 | 2026-01-13 06:00 | 2026-01-27 09:14 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception granted with supporting comp factors: 5.41 months in reserves instead of 6 months - Due Diligence Vendor-01/27/2026 <br> Ready for Review-Document Uploaded. - Seller-01/26/2026 <br> Open-Audited Reserves of 5.41 are less than Guideline Required Reserves of 6 Total assets verified xxx - (xxx acct xxx; xxx account xxx Total gifts xxx) cash to close xxx Reserves xxx (6 months) reserves qualified at 5.41 months - short reserves xxx - Due Diligence Vendor-01/13/2026 | Ready for Review-Document Uploaded. - Seller-01/26/2026<br>| Waived-Exception granted with supporting comp factors: 5.41 months in reserves instead of 6 months - Due Diligence Vendor-01/27/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.63% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 27.63% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | Calculated DTI Is Less Than The Guideline Maximum By Five Percent<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 7056358 |
|  |  | 2127866 D A | Closed | FCRE7497 | 2026-02-02 13:54 | 2026-02-04 13:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Mortgage statement (escrowed) provided - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. - Seller-02/04/2026 <br> Open-xxx. For the Following Property Hazard Insurance Not Provided - Due Diligence Vendor-02/02/2026 | Ready for Review-Document Uploaded. - Seller-02/04/2026<br>| Resolved-xxx statement (escrowed) provided - Due Diligence Vendor-02/04/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.43% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 63.43% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 21.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.75 Years Borrower At Current Residence For Five (5) Or More Years - 5.75 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.09 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.09 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.09 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.09 Years |  | MORTGAGE STATEMENT (93).pdf<br>1008 LOAN TRANSMITTAL (82).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7403255 |
|  |  | 2116206 D A | Closed | FCRE1176 | 2025-11-25 15:30 | 2025-12-02 06:49 | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-PCC provided Disbursement date is xxx - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. - Seller-12/01/2025 <br> Open-HO-6 Insurance Policy Effective Date of xxx is after the Note Date of xxx - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. - Seller-12/01/2025<br>| Resolved-PCC provided Disbursement date is xxx - Due Diligence Vendor-12/02/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 90.71 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 2.48% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.87 Years<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.50 Years |  | PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6389122 |
|  |  | 2114476 C B A | Closed | finding-47 | 2025-11-26 05:31 | 2025-12-01 15:40 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved- - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. - Seller-12/01/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-11/26/2025 <br> Open- - Due Diligence Vendor-12/01/2025 <br> Open- - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. - Seller-12/01/2025<br>| Resolved- - Due Diligence Vendor-12/01/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65.43% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 65.43% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.55 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.55 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.61% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 36.61% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.30 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.30 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |  | PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6396336 |
|  |  | 2116207 C A | Closed | finding-47 | 2025-12-05 17:40 | 2025-12-10 08:13 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. - Seller-12/09/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-12/08/2025 <br> Open- - Due Diligence Vendor-12/08/2025 <br> Open- - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. - Seller-12/09/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-12/10/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.15 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.15 Years<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.15 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.15 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.83% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 41.83% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 |  | PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6513192 |
|  |  | 2114487 C A | Closed | FCRE1159 | 2025-12-23 10:28 | 2025-12-26 16:04 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved- - Due Diligence Vendor-12/26/2025 <br> Ready for Review-Document Uploaded. LOAN WAS FUNDED ON xxx - Seller-12/26/2025 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-12/23/2025 | Ready for Review-Document Uploaded. LOAN WAS FUNDED ON xxx - Seller-12/26/2025 |  | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.08 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.08 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.47 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.47 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.47 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.47 Years |  | PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6759856 |
|  |  | 2114492 C A | Closed | FCRE1159 | 2025-12-26 03:18 | 2025-12-30 16:13 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-PCCD provided with disbursement date of xxx - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. - Seller-12/30/2025 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx As per Latest Insurance Document Updated. - Due Diligence Vendor-12/26/2025 | Ready for Review-Document Uploaded. - Seller-12/30/2025<br>| Resolved-PCCD provided with disbursement date of xxx - Due Diligence Vendor-12/30/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 10.91% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 10.91% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6806910 |
|  |  | 2117054 C A | Closed | finding-47 | 2026-01-02 11:40 | 2026-01-06 16:49 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*Received PCCD - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Document Uploaded. - Seller-01/02/2026 <br> Open-\*\*\*\*\*\*\* Borrower executed documents on xxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-01/02/2026 <br> Open- - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. - Seller-01/02/2026<br>| Resolved-\*\*Received PCCD - Due Diligence Vendor-01/06/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 92.99 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.83 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.88 Years |  | PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6896193 |
|  |  | 2117056 C A | Closed | finding-47 | 2026-01-06 13:53 | 2026-01-09 11:25 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*Received PCCD - Due Diligence Vendor-01/09/2026 <br> Resolved- - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. - Seller-01/08/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-01/06/2026 | Ready for Review-Document Uploaded. - Seller-01/08/2026<br>| Resolved-\*\*Received PCCD - Due Diligence Vendor-01/09/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.17 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 26.17 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 42.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6940995 |
|  |  | 2114491 D A | Closed | FCRE5782 | 2025-12-26 12:15 | 2025-12-29 13:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/29/2025 <br>Ready for Review-Document Uploaded. - Seller-12/29/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Soft Pull, Credit Refresh or Undisclosed Debt Monitoring report is required no more than 10 days prior <br> to loan closing. - Due Diligence Vendor-12/26/2025 | Ready for Review-Document Uploaded. - Seller-12/29/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/29/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.6 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 14.6 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 36.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | UDM REPORT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6815270 |
|  |  | 2117057 D A | Closed | FCRE5782 | 2025-12-31 07:39 | 2026-01-06 08:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/06/2026 <br>Ready for Review-Document Uploaded. - Seller-01/05/2026 <br>Open-Borrower 1 Gap Credit Report is Missing A Soft Pull, Credit Refresh or Undisclosed Debt Monitoring report is required no more than 10 days prior <br> to loan closing. - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. - Seller-01/05/2026<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/06/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 760 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 760 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 6.79% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 6.79% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.73 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 16.73 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.73 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.73 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 |  | UDM REPORT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6868397 |
|  |  | 2114478 D A | Closed | FCRE5790 | 2025-12-24 17:26 | 2025-12-30 12:17 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. - Seller-12/29/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). A Soft Pull, Credit Refresh or Undisclosed Debt Monitoring report is required no more than 10 days prior <br> to loan closing. Note/closing date xxx Gap report date xxx - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. - Seller-12/29/2025<br>| Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-12/30/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 |  | udm.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6800470 |
|  |  | 2114490 D A | Closed | FCRE1503 | 2025-12-29 03:19 | 2025-12-30 15:59 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Mortgage statement (escrowed) provided - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. - Seller-12/30/2025 <br> Open-property xxx, Creditor Name-xxx, Mortgage Statement Missing - Due Diligence Vendor-12/29/2025 | Ready for Review-Document Uploaded. - Seller-12/30/2025<br>| Resolved-Mortgage statement (escrowed) provided - Due Diligence Vendor-12/30/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - calculated DTI Of 41.37% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 41.37% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years Borrower At Current Residence For Five (5) Or More Years - 8.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.27 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 16.27 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.37 Year Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.37 Years |  | UDM.pdf<br>VOM.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6826495 |
|  |  | 2123470 D A | Closed | FCRE2109 | 2025-12-19 11:29 | 2026-01-14 09:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. - Seller-01/13/2026 <br>Counter-Already have UW summary, Looking for spreadsheet with 12 month bank statements showing monthly deposits and excluded deposits as mentioned previously :The loan was qualified using 12 month bank statements, Missing Lenders bank statement income worksheet reflecting all deposits/excluded deposits use for income calculations. - Due Diligence Vendor-01/09/2026 <br>Ready for Review-Document Uploaded. - Seller-01/07/2026 <br>Counter-The loan was qualified using 12 month bank statements, Missing Lenders bank statement income worksheet reflecting all deposits/excluded deposits use for income calculations. - Due Diligence Vendor-12/29/2025 <br>Ready for Review-Document Uploaded. - Seller-12/29/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary missing lender worksheet. There is an UW worksheet to show what the lender used for the income but no lender worksheet to show bank statements excluded deposits to get to that income. - Due Diligence Vendor-12/19/2025 | Ready for Review-Document Uploaded. - Seller-01/13/2026 <br>Ready for Review-Document Uploaded. - Seller-01/07/2026 <br>Ready for Review-Document Uploaded. - Seller-12/29/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-01/14/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.53 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 72.64% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24 |  | UNDERWRITING WORKSHEET.pdf<br>ASSET SUMMARY FORM.pdf<br>UNDERWRITING WORKSHEET.pdf<br>12BS.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6706337 |
|  |  | 2127578 D A C | Closed | FCRE2109 | 2025-10-11 16:57 | 2025-12-24 14:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/24/2025 <br>Ready for Review-Document Uploaded. - Seller-12/24/2025 <br>Counter-The condition is for "Missing Bank statement worksheet" - Due Diligence Vendor-11/19/2025 <br>Ready for Review-Document Uploaded. - Seller-11/18/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-10/11/2025 | Ready for Review-Document Uploaded. - Seller-12/24/2025 <br>Ready for Review-Document Uploaded. - Seller-11/18/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/24/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - V Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - V Borrower At Current Residence For Five (5) Or More Years - 9.58 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - V Calculated DTI Of 22.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - V Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.18 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - V Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.18 Years |  | UNDERWRITING WORKSHEET.pdf<br>BANK STATEMENT INCOME WORKSHEET.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 5865598 |
|  |  | 2123181 D A | Closed | FCRE5116 | 2026-01-06 09:24 | 2026-01-12 15:47 | Resolved | 1 - Information D A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-Per xxx Guidelines: 6.5.1 No Housing History or Less than 12 Months Verified - Borrowers who live rent free or without a complete 12-month housing history are allowed with the following restrictions: DTI may not exceed standard limits per Matrix / See Matrix for LTV limitations. / Primary Residence and second homes only / Any available portion of a 12-month housing history must be paid as agreed - Lender provided 9 months of Rental payments. <br> - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Do you require 12mos proof of payment? Previously sent 9 rent payments. Please advise.<br> Jan – Feb<br> Feb – March<br> July – Aug<br> Aug – Sep<br> Oct – Nov<br> Nov – Dec<br> Dec-Jan<br> April – May<br> May – June - Seller-01/12/2026 <br> Counter-Final 1003 states Bwr has been at xxx for over 6 yrs however only proof of 9 Payments were provided. - Due Diligence Vendor-01/10/2026 <br> Ready for Review-Document Uploaded. See the attached bank statements showing rent. - Seller-01/08/2026 <br> Counter-Missing Payment History for xxx - A Month to Month lease renewal offer was provided. - Due Diligence Vendor-01/08/2026 <br> Ready for Review-Document Uploaded. - Seller-01/07/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing VOR for rent at xxx. Lease in file, but no pay history. 1008 stated VOR in file - Due Diligence Vendor-01/06/2026 | Ready for Review-Do you require 12mos proof of payment? Previously sent 9 rent payments. Please advise.<br> Jan – Feb<br> Feb – March<br> July – Aug<br> Aug – Sep<br> Oct – Nov<br> Nov – Dec<br> Dec-Jan<br> April – May<br> May – June - Seller-01/12/2026 <br> Ready for Review-Document Uploaded. See the attached bank statements showing rent. - Seller-01/08/2026 <br> Ready for Review-Document Uploaded. - Seller-01/07/2026 | Resolved-Per xxx Guidelines: 6.5.1 No Housing History or Less than 12 Months Verified - Borrowers who live rent free or without a complete 12-month housing history are allowed with the following restrictions: DTI may not exceed standard limits per Matrix / See Matrix for LTV limitations. / Primary Residence and second homes only / Any available portion of a 12-month housing history must be paid as agreed - Lender provided 9 months of Rental payments. <br> - Due Diligence Vendor-01/12/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.36% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 19.36% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.08 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.08 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.6 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 14.6 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.98 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.98 Years |  | VOM MORTGAGE_RENTAL VERIFICATION (27).pdf<br>VOM MORTGAGE_RENTAL VERIFICATION (31).pdf<br>VOM MORTGAGE_RENTAL VERIFICATION (32).pdf<br>VOM MORTGAGE_RENTAL VERIFICATION (37).pdf<br>VOM MORTGAGE_RENTAL VERIFICATION (29).pdf<br>VOM MORTGAGE_RENTAL VERIFICATION (34).pdf<br>VOM MORTGAGE_RENTAL VERIFICATION (33).pdf<br>VOM MORTGAGE_RENTAL VERIFICATION (36).pdf<br>VOM MORTGAGE_RENTAL VERIFICATION (35).pdf<br>VOM MORTGAGE_RENTAL VERIFICATION (38).pdf<br>VOM MORTGAGE_RENTAL VERIFICATION (30).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6932265 |

---

## Exhibit 99.02

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.02 - Schedule 4**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
|  |  | 2123472 | xxx B C A |
|  |  | 2121359 | xxx B A |
|  |  | 2127578 | xxx D C A |
|  |  | 2123471 | xxx C A D B |
|  |  | 2117055 | xxx A |
|  |  | 2116206 | xxx D A |
|  |  | 2114476 | xxx C A B |
|  |  | 2116207 | xxx A C |
|  |  | 2114482 | xxx C A |
|  |  | 2123470 | xxx D A |
|  |  | 2114486 | xxx A |
|  |  | 2114481 | xxx A |
|  |  | 2114480 | xxx A |
|  |  | 2114487 | xxx C A |
|  |  | 2114488 | xxx A |
|  |  | 2114478 | xxx D A |
|  |  | 2114491 | xxx D A |
|  |  | 2114479 | xxx A |
|  |  | 2114484 | xxx A |
|  |  | 2114485 | xxx A |
|  |  | 2114492 | xxx C A |
|  |  | 2114490 | xxx D A |
|  |  | 2114489 | xxx A |
|  |  | 2117057 | xxx D A |
|  |  | 2117054 | xxx A C |
|  |  | 2114477 | xxx A |
|  |  | 2117058 | xxx A |
|  |  | 2123181 | xxx D A |
|  |  | 2117056 | xxx A C |
|  |  | 2123182 | xxx A |
|  |  | 2127863 | xxx C A B |
|  |  | 2123185 | xxx D C A B |
|  |  | 2123184 | xxx A |
|  |  | 2123187 | xxx D A |
|  |  | 2123183 | xxx A |
|  |  | 2123186 | xxx A |
|  |  | 2127864 | xxx A |
|  |  | 2125713 | xxx A |
|  |  | 2125715 | xxx D A |
|  |  | 2125716 | xxx A |
|  |  | 2127867 | xxx D A |
|  |  | 2127869 | xxx D A |
|  |  | 2127862 | xxx A |
|  |  | 2127866 | xxx D A |
|  |  | 2127865 | xxx A |
|  |  | 2127868 | xxx A |
|  |  | 2129600 | xxx D A |
|  |  | 2129601 | xxx A |
|  |  | 2132359 | xxx A |
|  |  | 2132363 | xxx A |
|  |  | 2132364 | xxx A |
|  |  | 2047432 | xxx A |
|  |  | 2130374 | xxx A |
|  |  | 2133190 | xxx C A |

---

## Exhibit 99.02

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.02 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
|  |  | 2123472 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 55.0 | 55.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
|  |  | 2121359 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx |  |  |  |  |  |  |  |  | 1.9 | xxx |
|  |  | 2127578 | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | xxx | xxx | .0003 | xxx | 1004 URAR |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | 2123471 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 40.0 | 40.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Reasonable | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | 2117055 | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 85.0 | 85.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
|  |  | 2116206 | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
|  |  | 2114476 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.43 | 65.43 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | xxx |
|  |  | 2116207 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 77.32 | 77.32 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | 2114482 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx |
|  |  | 2123470 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 72.64 | 72.64 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | 0.0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | 2114486 | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 90.0 | 90.0 | xxx | xxx | -.0065 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
|  |  | 2114481 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 90.0 | 90.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.3 | xxx |
|  |  | 2114480 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 76.71 | 76.71 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.8 | xxx |
|  |  | 2114487 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 89.9 | 89.9 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
|  |  | 2114488 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 90.0 | 90.0 | xxx | xxx | -.0090 | AVM |  |  |  |  | 0.0 |  |  |  |  | xxx | xxx | -.0090 | 97.0 | 0.03 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | 2114478 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | xxx | .0484 | Desk Review |  |  |  |  | xxx | xxx | .1425 | xxx | 1004 URAR |  |  |  |  | 0.0 |  |  |  | xxx | xxx | .0484 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | xxx |
|  |  | 2114491 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 79.76 | 79.76 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
|  |  | 2114479 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 36.84 | 36.84 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
|  |  | 2114484 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx |
|  |  | 2114485 | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 90.0 | 90.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | xxx |
|  |  | 2114492 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 90.0 | 90.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
|  |  | 2114490 | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 90.0 | 90.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
|  |  | 2114489 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 85.0 | 85.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
|  |  | 2117057 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 88.56 | 88.56 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
|  |  | 2117054 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
|  |  | 2114477 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 66.67 | 66.67 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
|  |  | 2117058 | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 85.0 | 85.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | xxx |
|  |  | 2123181 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 85.0 | 85.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
|  |  | 2117056 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 85.0 | 85.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
|  |  | 2123182 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | 2127863 | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 85.0 | 85.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
|  |  | 2123185 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 85.0 | 85.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
|  |  | 2123184 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 84.0 | 84.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
|  |  | 2123187 | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | xxx | .0450 | AVM |  |  |  |  | 0.0 |  |  |  |  | xxx | xxx | .0450 | 94.0 | 0.06 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | 2123183 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | xxx |
|  |  | 2123186 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 63.83 | 63.83 |  |  |  |  |  |  |  |  | xxx | xxx | -.0188 | xxx | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | 2127864 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 90.0 | 90.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | 2125713 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 74.14 | 74.14 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
|  |  | 2125715 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 90.0 | 90.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
|  |  | 2125716 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 64.99 | 64.99 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | 2127867 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 85.0 | 85.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
|  |  | 2127869 | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | xxx |
|  |  | 2127862 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx |
|  |  | 2127866 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 63.43 | 63.43 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | 2127865 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 79.56 | 79.56 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1.6 | xxx |
|  |  | 2127868 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 74.59 | 74.59 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx |
|  |  | 2129600 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | 2129601 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 85.0 | 85.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | 2132359 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 73.0 | 73.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  | xxx | xxx | -.0525 | 94.0 | 0.06 | xxx | XXX | xxx | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
|  |  | 2132363 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 85.0 | 85.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
|  |  | 2132364 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 57.6 | 57.6 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | 2047432 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | 2130374 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | xxx | .0316 | Desk Review |  |  |  |  | xxx | xxx | .0316 | xxx | 1004 URAR |  |  |  |  | 0.0 |  |  |  | xxx | xxx | .0316 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | 2133190 | xxx | xxx | 0 | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.02

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.02 - Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Investor Loan ID** | **Seller Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
|  | 2123472 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
|  | 2121359 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | Yes | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed | Not Employed | No | No | No |  |
|  | 2127578 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
|  | 2123471 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
|  | 2117055 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
|  | 2116206 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Not Employed | Employed | No | No | No |  |
|  | 2114476 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
|  | 2116207 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
|  | 2114482 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
|  | 2123470 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
|  | 2114486 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
|  | 2114481 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
|  | 2114480 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
|  | 2114487 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed | Not Employed | No | No | No |  |
|  | 2114488 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
|  | 2114478 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
|  | 2114491 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
|  | 2114479 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
|  | 2114484 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Not Employed | Employed | No | No | No |  |
|  | 2114485 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
|  | 2114492 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
|  | 2114490 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
|  | 2114489 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
|  | 2117057 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
|  | 2117054 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | Yes | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
|  | 2114477 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
|  | 2117058 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
|  | 2123181 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
|  | 2117056 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
|  | 2123182 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
|  | 2127863 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
|  | 2123185 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
|  | 2123184 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
|  | 2123187 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
|  | 2123183 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
|  | 2123186 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
|  | 2127864 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
|  | 2125713 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
|  | 2125715 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
|  | 2125716 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
|  | 2127867 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
|  | 2127869 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
|  | 2127862 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
|  | 2127866 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
|  | 2127865 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
|  | 2127868 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | Yes | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
|  | 2129600 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
|  | 2129601 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
|  | 2132359 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
|  | 2132363 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
|  | 2132364 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
|  | 2047432 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
|  | 2130374 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
|  | 2133190 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |

---

## Exhibit 99.02

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.02 - Schedule 7**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** |
| 2114486 |  | 2114486 | Primary Appraised Property Value | xxx | xxx |
| 2123186 |  | 2123186 | Primary Appraised Property Value | xxx | xxx |
| 2123472 |  | 2123472 | Primary Mortgage or Rent Times 30 | 12 | 0 |
| 2123186 |  | 2123186 | Property Type | PUD | Single Family Detached |
| 2116206 |  | 2116206 | Qualifying FICO | xxx | xxx |
| 2114480 |  | 2114480 | Qualifying FICO | xxx | xxx |
| 2114484 |  | 2114484 | Qualifying FICO | xxx | xxx |
| 2114488 |  | 2114488 | Qualifying Total Debt Income Ratio | 14.76 | 11.921 |
| 2125716 |  | 2125716 | Qualifying Total Debt Income Ratio | 41.98 | 43.263 |
| 2127868 |  | 2127868 | Qualifying Total Debt Income Ratio | 46.21 | 42.214 |

---

## Exhibit 99.03

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.03**

![](ex9903001.jpg)

**EXECUTIVE SUMMARY**

**EFMT 2026-NQM4**

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

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

![](ex9903001.jpg)

**CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 5 Loans (the "Loans") originated by a correspondent lender and acquired by Ellington Management Group, LLC (the "Client") for the EFMT 2026-NQM4 transaction. The Loans referenced in this narrative report were reviewed between 11/2025 to 02/2026 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the Loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;4 | &nbsp;&nbsp;80.00% | &nbsp;&nbsp;$3552000.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;1 | &nbsp;&nbsp;20.00% | &nbsp;&nbsp;$295800.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$3847800.00** |

---

The Review consisted of a population of 5 Loans, with an aggregate principal balance of $3,847,800.00.

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

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

**LOAN SAMPLING**

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

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

![](ex9903001.jpg)

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 1, 2025 |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, December 7, 2023 |

---

**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Field** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Amount of Other Lien |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Citizen |
| &nbsp;&nbsp;Borrower 1 Country Name |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;Borrower 1 Employer 2 Position |
| &nbsp;&nbsp;Borrower 1 Employer 2 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs |
| &nbsp;&nbsp;Borrower 1 How was title held? |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Marital Status |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 |
| &nbsp;&nbsp;Borrower 1 Name of Employer 2 |

---

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---

| |
|:---|
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Race - White |
| &nbsp;&nbsp;Borrower 1 Rent or Own |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Sex - Female |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Sex - Male |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 1 Telephone Interview |
| &nbsp;&nbsp;Borrower 1 Years in Current Home |
| &nbsp;&nbsp;Borrower 2 Birthdate |
| &nbsp;&nbsp;Borrower 2 Citizen |
| &nbsp;&nbsp;Borrower 2 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 2 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 2 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Marital Status |
| &nbsp;&nbsp;Borrower 2 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Race - White |
| &nbsp;&nbsp;Borrower 2 Rent or Own |
| &nbsp;&nbsp;Borrower 2 Sex - Female |
| &nbsp;&nbsp;Borrower 2 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;Borrower 2 Telephone Interview |
| &nbsp;&nbsp;Borrower 2 Years in Current Home |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Origination Company |
| &nbsp;&nbsp;Loan Origination Company NMLS |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |

---

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---

| |
|:---|
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;Negative Amortization Flag |
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Borrowers |
| &nbsp;&nbsp;Number of Mortgaged Properties |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Originator Doc Type |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property Rights |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying Amortization Term |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;ULI |

---

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**CREDIT UNDERWRITING**

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

● **Loan Attributes** 

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

– Assets and Reserves

– Gross Income

– Lien Position

– Loan Purpose

– Housing History

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

– Monthly Debt

– Occupancy

– Property Type

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

– Debt to Income Ratio (DTI)

– Residual Income

– Debt Service Coverage Ratio (DSCR)

● **Credit Application** 

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

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

– Borrower(s) employment history

– Citizenship and eligibility

– First time home buyer status

– The application was signed by all borrowers

– The application was substantially complete

● **Credit History** 

Clarifii verified the following items:

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

– Bankruptcy and foreclosure seasoning

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

– Installment and revolving payment history

– Mortgage/Rental payment history

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

– Number of tradelines

– Credit Score(s) and Qualifying Score Methodology

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● **Employment and Income** 

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

– Tax returns

– Financial statements

Paystubs

– IRS Form W-2s

– IRS Form 1099

– IRS documents

– Bank statements

– Lease agreements

– Award letters

– Other documentation in Loan file

● **Fraud Review** 

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

– Borrower identity

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

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

– Occupancy

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

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

– Employment

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

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

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

OFAC

● **Asset Review** 

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

– Verification of deposits (VOD)

– Depository account statements

– Stock or security account statements

– Gift funds

– Settlements statements

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

– Other documentation in Loan file

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

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

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

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

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

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

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

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

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

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

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

– Calculated DSCR, as required by guidelines

– Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

● **Initial and Final 1003 Application** 

● **Note** 

● **Mortgage/Deed of Trust** 

● **Appraisal** 

● **Sales Contract** 

● **Title Commitment/Policy** 

● **Junior Lien/Subordination Agreement** 

● **Mortgage Insurance** 

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

● **Flood Certification** 

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

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

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

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**COMPLIANCE REVIEW**

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

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

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

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

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

● **Compliance Documentation Requirements** 

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

– Initial and final application (1003)

– Note, including all addendums

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

– Mortgage / Deed of Trust, including all riders

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

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

– Notice of Right to Cancel (when applicable)

– Rate Lock Date

– HOEPA Disclosures (when applicable)

– Initial Escrow Account Disclosure

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

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

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

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

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

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

**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

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

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

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

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

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

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

**Miscellaneous Compliance Testing**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

● **Business Purpose Loan Compliance Review** 

– Non-Owner Occupied Declaration Disclosure

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

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

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

– Review Note accuracy and properly executed

– Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

– Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

– Letter of Explanation detailing the use of proceeds.

– Borrower's statement of purpose for the Loan.

– State License requirements when applicable

– State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

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

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

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

**ABILITY TO REPAY (ATR)**

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

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

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

Clarifii's review was based on information contained in the Loan file at the time it was provided for review. All Loans in the population reviewed by Clarifii were investment properties and were found to not be ATR/QM applicable.

**VALUATION REVIEW**

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

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

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

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

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

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**INDEPENDENT THIRD-PARTY VALUES**

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

**Valuation Reconciliation Process:** 

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

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

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

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

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

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

**VALUATION RESULTS SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files > -10% Variance to OA or Confidence < 80%** | &nbsp;&nbsp;**Number of Files within -10% of OA or Acceptable UCDP Risk Score \*** |
| &nbsp;&nbsp;No Secondary Product | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;LCA and/or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

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![](ex9903001.jpg)

**DUE DILIGENCE GRADING CRITERIA** 

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

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

**Final Event Grade** 

---

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

---

**Credit Event Grade**

---

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

---

**Valuation Event Grade**

---

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

---

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![](ex9903001.jpg)

**Compliance Event Grade** 

---

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

---

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** |
| &nbsp;&nbsp;**Overall Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;4 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;20.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100.00%** |

---

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

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**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** |
| &nbsp;&nbsp;**Credit Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;4 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;20.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** |
| &nbsp;&nbsp;**Property Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$3847800.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$3847800.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;4 | &nbsp;&nbsp;80.00% | &nbsp;&nbsp;$3518550.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;1 | &nbsp;&nbsp;20.00% | &nbsp;&nbsp;$329250.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$3847800.00** |

---

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![](ex9903001.jpg)

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;4 | &nbsp;&nbsp;80.00% | &nbsp;&nbsp;$3552000.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;20.00% | &nbsp;&nbsp;$295800.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$3847800.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$3847800.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$3847800.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;480 | &nbsp;&nbsp;1 | &nbsp;&nbsp;20.00% | &nbsp;&nbsp;$932000.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;4 | &nbsp;&nbsp;80.00% | &nbsp;&nbsp;$2915800.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$3847800.00** |

---

**DATA COMPARE RESULTS**

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

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Field** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Amount of Other Lien | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Country Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 2 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 2 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |

---

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![](ex9903001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 How was title held? | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer 2 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Female | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Male | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Years in Current Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Sex - Female | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |

---

EFMT 2026-NQM4 Due Diligence Narrative Report – PagE \| 20

![](ex9903001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 2 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Years in Current Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company NMLS | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Mortgaged Properties | &nbsp;&nbsp;1 | &nbsp;&nbsp;4 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Rights | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |

---

EFMT 2026-NQM4 Due Diligence Narrative Report – PagE \| 21

![](ex9903001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Supplement Data Extract

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

**Disclaimer** 

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

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

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

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

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

EFMT 2026-NQM4 Due Diligence Narrative Report – PagE \| 22

## Exhibit 99.03

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.03 - Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | 2123122 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 64.3 | 64.3 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX |
| XXXX | 2123278 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2129080 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129079 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2132286 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.03

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.03 - Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 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 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 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 | 107 | 108 | 109 | 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 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 | 261 | 262 | 263 | 264 | 265 | 266 | 267 | 268 |
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Subordinate Lien 2 Type** | **Subordinate Lien 2 Max Draw Amount (HELOC)** | **Subordinate Lien 3 Type** | **Subordinate Lien 3 Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| XXXX | 2123122 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/29/2025 | 21 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 7660 | 11/17/2025 | 6.230% |  |  | No | 8.263% |  | 7.875% |  | XXXX | No | XXXX | XXXX | $1575.96 | $131.33 | $0.00 | $0.00 | $0.00 | $2605.77 | $3357.30 | N/A |  |  | $0.00 |  |  | 0.00% | 49.31% | 49.31% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Proceeds from Sale | N/A | 0 | N/A |  |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 10/09/2025 | 10/09/2025 |  |  |  | 654 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 9.6 | XXXX | 9.6 | No | 64.3 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2123278 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/01/2025 | 5 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1590 | 12/15/2025 | 6.270% |  |  | No | 6.911% |  | 6.875% |  | XXXX | No | XXXX | XXXX | $5190.00 | $432.50 | $0.00 | $0.00 | $0.00 | $6685.75 | $17522.95 | N/A |  |  | $0.00 |  |  | 0.00% | 44.65% | 44.65% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 79.40% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 11/19/2025 | 11/19/2025 |  |  |  | 730 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 280.8 | XXXX | 333.3 | No | 70 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2129080 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/01/2025 | 5 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1590 | 12/29/2025 | 6.250% | Manual Underwriting |  | No | 6.890% |  | 6.875% |  | XXXX | No | XXXX | XXXX | $3505.80 | $292.15 | $0.00 | $0.00 | $0.00 | $11431.89 | $51368.74 | N/A |  |  | $0.00 |  |  | 0.00% | 24.43% | 24.43% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - [] | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - [] | XXXX | XXXX | XX | XXXX | XXXX | 12/16/2025 | 12/16/2025 | 12/16/2025 |  |  | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.5 | XXXX | 36.8 | No | 75 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2129079 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/01/2025 | 5 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Interest Only | 1590 | 01/05/2026 | 6.190% | Manual Underwriting | Manual Underwriting | No | 7.780% |  | 7.750% | 8.281% | XXXX | No | XXXX | XXXX | $7076.04 | $589.67 | $0.00 | $0.00 | $0.00 | $8359.28 | $8827.61 | N/A |  |  | $0.00 |  |  | 0.00% | 48.64% | 48.64% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 11/24/2025 | 11/24/2025 |  |  |  | 744 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 53.9 | No | 80 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2132286 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/01/2025 | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 6.625% |  | XXXX | No | XXXX | XXXX | $834.24 | $69.52 | $0.00 | $0.00 | $0.00 | $2686.82 | $191629.41 | N/A |  |  | $0.00 |  |  | 0.00% | 29.01% | 29.01% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 54.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 0 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 | Borrower - ["2025","2026"] - 2025, 2026 | XXXX | XXXX | XX | XXXX | XXXX | 01/13/2026 | 01/13/2026 |  |  |  | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 117.6 | No | 75 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |

---

## Exhibit 99.03

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.03 - Schedule 3**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX | 2123122 | XXXX | XXXX C A |
| XXXX | 2123278 | XXXX | XXXX A |
| XXXX | 2129080 | XXXX | XXXX A |
| XXXX | 2129079 | XXXX | XXXX A C |
| XXXX | 2132286 | XXXX | XXXX C A B |

---

## Exhibit 99.03

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.03 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXX | 2123122 | XXXX C A | Closed | XXXX | 2025-12-18 11:31 | 2025-12-19 07:56 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-CD provided as borrower sold departing residence and proceeds went to the title company for the subject property. - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. not sure why this was asked about again, this was provided with tape, borrower sold property and the proceeds went straight to title. please clear. - Seller-12/19/2025 <br> Open-Provide source and receipt from title agent of $XXXX additional borrower deposit to escrow on PCCD. (asset statements in file do not show funds available). - Due Diligence Vendor-12/18/2025 | Ready for Review-Document Uploaded. not sure why this was asked about again, this was provided with tape, borrower sold property and the proceeds went straight to title. please clear. - Seller-12/19/2025<br>| Resolved-CD provided as borrower sold departing residence and proceeds went to the title company for the subject property. - Due Diligence Vendor-12/19/2025<br>| LTV is less than guideline maximum - LTV 64.30% is lower than maximum 75% Required is 75 Borrower has 64.3<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 654 is higher than the required 600 Required is 600 Borrower has 654 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6685868 |
| XXXX | 2123122 | XXXX C A | Closed | XXXX | 2025-12-01 07:56 | 2025-12-18 07:18 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Received COC XXXX. Finding resolved. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. please find the coc - Seller-12/05/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $XXXX (Points - Loan Discount Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: XXXX.<br> - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. please find the coc - Seller-12/05/2025<br>| Resolved------Received COC XXXX. Finding resolved. - Due Diligence Vendor-12/09/2025 | LTV is less than guideline maximum - LTV 64.30% is lower than maximum 75% Required is 75 Borrower has 64.3<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 654 is higher than the required 600 Required is 600 Borrower has 654 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6425940 |
| XXXX | 2123122 | XXXX C A | Closed | XXXX | 2025-12-01 07:56 | 2025-12-18 07:17 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved------Received PCCD XXXX, finding resolved. - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. please find the final CD - Seller-12/17/2025 <br> Counter------Received settlement statement and selles CD, please provide final Borrower CD corresponding to settlement statement. - Due Diligence Vendor-12/17/2025 <br> Ready for Review------Received seller CD with no disbursement information. Final CD shows disbursement date of XXXX, but closing date is XXXX. Provide evidence the loan did not disburse prior to closing. - Due Diligence Vendor-12/17/2025 <br> Ready for Review-this is incorrect, I just uploaded the FSS showing disbursement date of XXXX please clear. both show XXXX - Seller-12/17/2025 <br> Ready for Review-Document Uploaded. uploaded the final Seller cd showing disbursement date - Seller-12/09/2025 <br> Counter------Received settlement statement for non subject property. Provide evidence the loan did not disburse prior to closing. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. please find the final SS for review XXXX - Seller-12/05/2025 <br> Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. -----Final CD shows disbursement date of XXXX, but closing date is XXXX. Provide evidence the loan did not disburse prior to closing. <br> - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. please find the final CD - Seller-12/17/2025 <br> Ready for Review-this is incorrect, I just uploaded the FSS showing disbursement date of XXXX please clear. both show XXXX- Seller-12/17/2025 <br> Ready for Review-Document Uploaded. uploaded the final Seller cd showing disbursement date - Seller-12/09/2025 <br> Ready for Review-Document Uploaded. please find the final SS for review XXXX - Seller-12/05/2025 | Resolved------Received PCCD XXXX, finding resolved. - Due Diligence Vendor-12/18/2025 | LTV is less than guideline maximum - LTV 64.30% is lower than maximum 75% Required is 75 Borrower has 64.3<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 654 is higher than the required 600 Required is 600 Borrower has 654 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6425945 |
| XXXX | 2123122 | XXXX C A | Closed | XXXX | 2025-12-01 06:48 | 2025-12-09 16:46 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT w/Legal. - Due Diligence Vendor-12/09/2025 <br>Ready for Review-Document Uploaded. dot with legal. - Seller-12/05/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing Legal description - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. dot with legal. - Seller-12/05/2025<br>| Resolved-Received DOT w/Legal. - Due Diligence Vendor-12/09/2025<br>| LTV is less than guideline maximum - LTV 64.30% is lower than maximum 75% Required is 75 Borrower has 64.3<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 654 is higher than the required 600 Required is 600 Borrower has 654 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6425354 |
| XXXX | 2123278 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 2129080 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 2129079 | XXXX C A | Closed | XXXX | 2026-01-23 12:06 | 2026-02-04 08:37 | Resolved | 1 - Information C A | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | Resolved------Recieved evidence LE was sent XXXX. Finding resolved. - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. enclosed please find the final LE.... The date on page #1 of the LE is a glitch... please see the time stamp on bottom of each page showing it actually went out XXXX - Seller-02/03/2026 <br> Open-This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii))The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. ----- Initial CD XXXX has been issued on the same date as the Final LE XXXX which is not allowable per applicable statute, must have a one day gap. Per statute, there is no cure for this violation. statute of Limitations - 1 year, expiration date XXXX. - Due Diligence Vendor-01/23/2026 | Ready for Review-Document Uploaded. enclosed please find the final LE.... The date on page #1 of the LE is a glitch... please see the time stamp on bottom of each page showing it actually went out XXXX - Seller-02/03/2026 | Resolved------Recieved evidence LE was sent XXXX. Finding resolved. - Due Diligence Vendor-02/04/2026 | Months Reserves exceed minimum required - 3 months reserves required, borrower has 53 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 744 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7272824 |
| XXXX | 2129079 | XXXX C A | Closed | XXXX | 2026-01-23 12:06 | 2026-02-04 08:37 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Disclosure Delivery Date Validation Test | Resolved------Recieved evidence LE was sent XXXX. Finding resolved. - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. please see the enclosed final LE... the time stamp on bottom of each page will show the actual date of XXXX ... the date on page #1 of the LE was a system glitch ... the correct date is XXXX - Seller-02/03/2026 <br> Open-This loan failed the TRID disclosure delivery date validation test.The loan contains one of the following conditions:A revised loan estimate delivery date is before the initial loan estimate.A revised closing disclosure is before the revised closing disclosure.A closing disclosure delivery date is on or before a loan estimate delivery date.A post-consummation revised closing disclosure delivery date is on or before a closing disclosure delivery date or loan estimate delivery date. ----- Initial CD XXXX has been issued on the same date as the Final LE XXXX which is not allowable per applicable statute, must have a one day gap. Per statute, there is no cure for this violation. statute of Limitations - 1 year, expiration date XXXX. - Due Diligence Vendor-01/23/2026 | Ready for Review-Document Uploaded. please see the enclosed final LE... the time stamp on bottom of each page will show the actual date of XXXX ... the date on page #1 of the LE was a system glitch ... the correct date is XXXX - Seller-02/03/2026 | Resolved------Recieved evidence LE was sent XXXX. Finding resolved. - Due Diligence Vendor-02/04/2026 | Months Reserves exceed minimum required - 3 months reserves required, borrower has 53 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 744 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7272831 |
| XXXX | 2132286 | XXXX C B A | Closed | XXXX | 2026-02-14 13:14 | 2026-02-18 08:34 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-The Business Entity Formation Document is not incomplete - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Document Uploaded. LLC DOCS - Seller-02/16/2026 <br>Open-The Business Entity Formation Document is incomplete The EIN document is missing from the loan file - Due Diligence Vendor-02/14/2026 | Ready for Review-Document Uploaded. LLC DOCS - Seller-02/16/2026<br>| Resolved-The Business Entity Formation Document is not incomplete - Due Diligence Vendor-02/18/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.01<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 784<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7622738 |
| XXXX | 2132286 | XXXX C B A | Closed | XXXX | 2026-02-13 15:32 | 2026-02-14 13:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted, waiver applied with comp factors of 6 years in primary residence and S/E for 8 years - Due Diligence Vendor-02/14/2026 <br>Open-Exception for FM exposure over 10 loans/$7.5mm. Approved - Due Diligence Vendor-02/14/2026 |  | Waived-Originator exception granted, waiver applied with comp factors of 6 years in primary residence and S/E for 8 years - Due Diligence Vendor-02/14/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.01<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 784<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 | Long Term Employment > 5 years<br> Long Term Homeownership >5 years | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 7617239 |

---

## Exhibit 99.03

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.03 - Schedule 5**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | 2123122 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 9.62 | 66.00 | Per bank statements |
| XXXX | 2129079 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | No other liens |
| XXXX | 2129079 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 8 | 1 | Per 1003/Credit Report |

---

## Exhibit 99.03

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.03 - Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| XXXX | 2132286 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 1950 | Appraisal - 1007 |  | N/A |  |  | 1950 | N/A | No | 137.79 |  | 0 | 2686.82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 1950 |  |  |  |  |  |  |  | No | 1.2 | 11 | 1 | N/A | 117.6 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |

---

## Exhibit 99.03

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.03 - Schedule 7**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXXX | 2123122 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 7660 | 8.263 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3357.3 | Yes | Employed |  | No |  | No |  |
| XXXX | 2123278 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1590 | 6.911 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17522.95 | Yes | Employed |  | No |  | No |  |
| XXXX | 2129080 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1590 | 6.89 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 51368.74 | N/A | Employed | Not Employed | No | No | No |  |
| XXXX | 2129079 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | Yes | No | No | No | Yes | No | No | No | No | No | 1590 | 7.78 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 8827.61 | N/A | Employed |  | No |  | No |  |
| XXXX | 2132286 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | N/A | N/A | Yes | N/A | N/A | 191629.41 | Yes | Employed |  | No |  | Yes | Present |

---

## Exhibit 99.04

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.04**

![](ex9904001.jpg)

![](ex9904002.jpg)

**March 13, 2026**<br> **Due Diligence Narrative Report**<br>

![](ex9904003.jpg)

**Table of Contents**

---

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

---

EFMT 2026-NQM4 Due Diligence Narrative Report Page \| 1 March 13, 2026

![](ex9904003.jpg)

**Clayton Contact Information** 

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](ex9904004.jpg) | **Michael Santarsiere** | Client Service Director |

---

Phone: (813) 371-0280/E-mail: <u>msantarsiere@clayton.com</u>

---

| | | |
|:---|:---|:---|
| ![](ex9904004.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |

---

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

**Overview** 

On behalf of the originators, Clayton conducted an independent third-party pre-securitization due diligence review of 5 residential loans. Ellington Management Group, LLC subsequently purchased these loans via reliance letter and selected these loans for the EFMT 2026-NQM4 transaction.

The loan referenced in this narrative report was reviewed on a flow loan basis between September 2025 and December 2025. This narrative report provides information about the scope of work performed by Clayton, and the results of Clayton's review.

**Originators** 

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **Percentage** |
| Broker | 5 | 100.00% |
| **Total** | **5** | **100.00%** |

---

EFMT 2026-NQM4 Due Diligence Narrative Report Page \| 2 March 13, 2026

![](ex9904003.jpg)

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

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

---

| | |
|:---|:---|
| Review scope<br>| # of Files Reviewed |
| Credit Review | 5 |
| Property Valuation Review | 5 |
| Regulatory Compliance Review | 4 |
| Data Integrity Check | 5 |

---

Loan Grading

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

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

![](ex9904005.jpg)

EFMT 2026-NQM4 Due Diligence Narrative Report Page \| 3 March 13, 2026

![](ex9904003.jpg)

TPR Component Review Scope

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

Credit Review

Clayton's Credit scope of review conducted on 5 loans on this transaction included the following elements (for more detail, please refer to <u>Appendix A</u>):

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

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

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

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

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

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

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

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

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

Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original
 Appraisal Assessment (5 loans)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value
 Supported Analysis (5 loans)

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

● CU Score

● Desk Review

For further detail please refer to the EFMT 2026-NQM4 Valuations Summary Report

EFMT 2026-NQM4 Due Diligence Narrative Report Page \| 4 March 13, 2026

![](ex9904003.jpg)

Regulatory Compliance Review

Clayton's regulatory compliance scope of review conducted on 4 loans on this transaction included the elements summarized below. (For more detail, please refer to <u>Appendix C</u>.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

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

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

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

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

– TIL APR and Finance charge tolerances;

– Timeliness of ARM Disclosures (if applicable);

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

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

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

– Prepayment Penalty restrictions; and

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

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

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

– GFE initial disclosure timing and content;

– Confirmed the file contains the final HUD1 Settlement Statement;

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

– Homeownership Counseling Notice;

– Affiliated Business Disclosure if applicable.

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

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

EFMT 2026-NQM4 Due Diligence Narrative Report Page \| 5 March 13, 2026

![](ex9904003.jpg)

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

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

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

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

State and Federal High Cost and Higher-Priced:

● Cook County High Cost Ordinance

● Chicago High Cost Ordinance

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

Anti-predatory lending laws

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

● Minnesota §58 on or after 8/1/2008

Prepayment Penalties and Late Charges in certain states

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

● Sufficiency of coverage

● Escrow of insurance payments

EFMT 2026-NQM4 Due Diligence Narrative Report Page \| 6 March 13, 2026

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Data Integrity

Clayton utilized its proprietary eCLAS tool to determine tape-to-file accuracy of 5 loans reviewed, by completing the following steps:

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

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

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

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

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

Data Capture

Clayton collected data fields required to create American Securitization Forum ("ASF") and Standard and Poor's LEVELS 7.4.3 data disclosure requirements. Both of these file formats are provided as part of the pre-securitization reporting package. Additionally, Clayton captured rating agency required data points relating to ATR/QM determination, which is provided in the reporting package.

**data Compare Results** 

Clayton provided Ellington Management Group, LLC, with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received from the sellers versus the data captured by Clayton during the loan review in relation to the 5 loans reviewed.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | **# of Loans** | **% Accuracy** |
| &nbsp;&nbsp;Cash Reserves | 1 | 80.00% |
| &nbsp;&nbsp;Disbursement Date | 2 | 60.00% |
| &nbsp;&nbsp;Months Reserves | 1 | 80.00% |
| &nbsp;&nbsp;Original Appraised Value | 1 | 80.00% |
| &nbsp;&nbsp;Property Type | 1 | 80.00% |
| &nbsp;&nbsp;Total Cash Out | 1 | 80.00% |

---

EFMT 2026-NQM4 Due Diligence Narrative Report Page \| 7 March 13, 2026

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**Clayton Due Diligence Results** 

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

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 3 |  |  | 2 | **5** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **3** | **0** | **0** | **2** | **5** |

---

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

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 3 |  |  | 2 | **5** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **3** | **0** | **0** | **2** | **5** |

---

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 4 |  |  | 1 | **5** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **4** | **0** | **0** | **1** | **5** |

---

EFMT 2026-NQM4 Due Diligence Narrative Report Page \| 8 March 13, 2026

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 3 |  |  | 1 | **4** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **3** | **0** | **0** | **1** | **4** |

---

\*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review (1 loan in pool)

**Clayton Third Party Reports Delivered** 

Clayton furnished the following reports on this transaction:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. ASF
 Upload Report

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

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

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

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

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

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

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

EFMT 2026-NQM4 Due Diligence Narrative Report Page \| 9 March 13, 2026

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**Appendix A: Credit Review Scope** 

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

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

○ DTI

○ LTV/TLTV/HLTV

○ Credit score

○ Income and employment

○ Assets and reserves

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

○ Borrower eligibility, including:

– Citizenship status

– Non- occupant co-borrower

○ Transaction eligibility, including:

Maximum loan amount

– Loan purpose

– Occupancy

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

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

○ Uniform Residential Loan Application reviewed to determine:

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

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

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

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

– Income documentation

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

– CPA letter

– Business licenses

– Tax transcripts (IRS Form 4506-T)

– Other documentation in loan file

○ Income review included:

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

– Documents did not appear to have been altered or inconsistent

– IRS Form 4506-T

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

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

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

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

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

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

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

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

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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;▪ IRS
 documents

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

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

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

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

○ Asset review included:

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

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

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

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

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

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

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

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

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

○ Credit Report review included:

– Complete copy of report was in loan file

– Report was dated within required timeframe

– All borrowers were included in the report

– Checked any fraud alerts against related loan file documentation

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

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

– Captured and utilized appropriate credit score for guideline review

○ Title policy review included:

– Title interest – determined if

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

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

– Appropriate vestee(s) were listed on title policy

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

– Applicable title endorsements were present

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

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

– Captured monthly tax payments in debt ratio calculation

○ HUD1 (Settlement Statement) review included:

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

– Seller contributions did not exceed maximum allowed

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

– Disbursements and pay-offs included in debt ratio calculations

– Loan purpose confirmed

○ Hazard/Flood insurance review included:

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

– Confirmed that any required insurance was for the:

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

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

EFMT 2026-NQM4 Due Diligence Narrative Report Page \| 11 March 13, 2026

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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;▪ Correct
 lender

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

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

Confirmed that any required insurance minimum coverage amount and policy period

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

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

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

○ Mortgage Insurance review included:

– Determined if mortgage insurance is required

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

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

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

○ Borrower identity

– Social Security inconsistencies

– Borrower name variations

○ Occupancy

– Borrower address history

– Subject property ownership history

○ Employment

○ Licensing – reviewed NMLS data for:

– Mortgage lender/originator

– Loan officer

○ OFAC

EFMT 2026-NQM4 Due Diligence Narrative Report Page \| 12 March 13, 2026

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**Appendix B: Origination Appraisal Assessment** 

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

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

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

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

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

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

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

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

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

○ Appraisal report was reasonably complete and included:

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

– Accurate identification of the subject property

– Accurate identification of the subject loan transaction

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

– All required attachments including:

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

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

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

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

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

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

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

– Appraisal date met supplied Sponsor Acquisition Criteria

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

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

○ Title XI of FIRREA:

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

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

○ USPAP

– Confirmed that the appraiser's certification is present and executed within the original appraisal.

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

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

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

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

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

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

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

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

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

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

– Property usage was reviewed for zoning compliance

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

– Neighborhood values were reviewed to determine if declining

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

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

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

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

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

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

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

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

– Style of property was reviewed to determine if unique property

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

– Locational and/or environmental concerns adequately addressed if present

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

○ 3 to 4 unit owner occupied properties

○ 2 to 4 unit second homes

○ Unwarrantable or limited review condominiums

○ Manufactured or mobile homes

○ Condotel units

○ Unique properties

○ Working farms, ranches or orchards

○ Mixed-use properties

○ Properties subject to existing oil or gas leases

○ Properties located in Hawaii Lava Zones 1 and 2

○ Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage

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

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

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F. Disclaimer

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

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

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

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

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

EFMT 2026-NQM4 Due Diligence Narrative Report Page \| 15 March 13, 2026

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**Appendix C: Regulatory Compliance Review Scope** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

EFMT 2026-NQM4 Due Diligence Narrative Report Page \| 16 March 13, 2026

![](ex9904003.jpg)

○ TILA/RESPA Integrated Disclosures ("TRID")

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

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

● Pre-application forms cannot look similar to the LE

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

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

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

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

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

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

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

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

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

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

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

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

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

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

● Amount Financed

● Finance Charge

● Total of Payments

● Total interest percentage

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

● Compliance with the TRID rounding rules.

● Compliance with specified formatting requirements.

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

● Alphabetization of fees.

● Title fees preceded by "Title –."

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

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

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

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

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

EFMT 2026-NQM4 Due Diligence Narrative Report Page \| 17 March 13, 2026

![](ex9904003.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

● Affiliated Business Disclosure (can impact fee tolerances)

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

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

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

● Accuracy of the Aggregate Adjustment amount.

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

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

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

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

EFMT 2026-NQM4 Due Diligence Narrative Report Page \| 18 March 13, 2026

![](ex9904003.jpg)

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

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

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

---

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

---

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

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

---

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

---

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

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

● Minnesota (Mortgage Originator and Service Licensing Act)

● Puerto Rico (Office Regulation 5722)

● Texas (Texas Finance Code)

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

EFMT 2026-NQM4 Due Diligence Narrative Report Page \| 19 March 13, 2026

![](ex9904003.jpg)

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

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

---

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

---

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

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

---

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

---

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

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

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

EFMT 2026-NQM4 Due Diligence Narrative Report Page \| 20 March 13, 2026

![](ex9904003.jpg)

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

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

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

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

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

EFMT 2026-NQM4 Due Diligence Narrative Report Page \| 21 March 13, 2026

## Exhibit 99.04

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.04 - Schedule 1**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **EFMT 2026-NQM4** |
| **Start - End Dates:** | **9/26/2025 - 12/10/2025** |
| **Deal Loan Count:** | **5** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *5* |
| ***Loans with Conditions:*** | *2* |

---

---

| |
|:---|
| **0 - Total Active Conditions** |
| **4 - Total Satisfied Conditions** |
| 2 - Credit Review Scope |
| 1 - Category: Assets |
| 1 - Category: Legal Documents |
| 1 - Property Valuations Review Scope |
| 1 - Category: Property |
| 1 - Compliance Review Scope |
| 1 - Category: Documentation |
| **0 - Total Waived Conditions** |

---

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

## Exhibit 99.04

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.04 - Schedule 2**

---

| | |
|:---|:---|
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| **Loans in Report:** | 5 |
| **Loans with Conditions:** | 2 |

---

---

| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **ConditionSub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 2125280 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC3280 | One or more Applications in file are incomplete | No | Missing Complete / all pages of application for borrower. | 10.5.25 Complete 1003 provided, exception satisfied | 10.5.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 qualifying score exceeds guideline minimum of 620<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 48 months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $356,192.68 in file or 109.91 months PITI > required guidelines |
| 2125280 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | October 1st 2025, 7:50:36 am10.1.25-Client provided Final HUD-1. Satisfied. | 10.1.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 qualifying score exceeds guideline minimum of 620<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 48 months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $356,192.68 in file or 109.91 months PITI > required guidelines |
| 2125280 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Property Valuations | Property | Satisfied D A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing Condo Certification | 10.5.25 HOA questionnaire provided, exception satisfied | 10.5.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 qualifying score exceeds guideline minimum of 620<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 48 months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $356,192.68 in file or 109.91 months PITI > required guidelines |
| 2125282 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 629 mid-score per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 11.2 years living at primary residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 32.24% LTV per review; 90% LTV is maximum allowed guidelines.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 134 months of 0x30 rental history per VOR in file. |
| 2125290 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of726 is above the required 720<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65 is below the maximum allowable of 80<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $630638.48 or 117.81 months of PITIA. 6 months required. |
| 2125291 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 18.75 months of reserves exceeds guideline requirements of 9 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% LTV for Subject Property is below guideline max LTV of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 772 > 152 points of minimum guideline requirements of 620. |
| 2123131 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing Signed HUD-1 from the Sale of Borrowers outgoing residence located at XXX, XXX, XXX has not been uploaded by the Lender in the amount of $XXX | 12.16.25 Please find the final SS for prop12.16.25 exception satisfied | 12.16.25 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV for Subject Property is below guideline max LTV of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 790 > 170 points of minimum guideline requirements of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $239,886.61 - cash to close $16,584.66 = $103,301.95 / 3029.05 = 34.10 months of post close reserves and 9 months required. |

---

## Exhibit 99.04

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.04 - Schedule 3**

---

| | |
|:---|:---|
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| **Loans in Report:** | 5 |
| **Loans with Conditions:** | 2 |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Loan Compliance Grade** | **Final Securitization Loan Compliance Grade** | **Initial S&P Loan Compliance Grade** | **Final S&P Loan Compliance Grade** | **Did Lender Acknowledge Exception at Origination** |
| 2125280 | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| 2125282 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 2125290 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 2125291 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 2123131 | XXXXXX | XXXXXX D A | A | A D | A | A | No |

---

## Exhibit 99.04

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.04 - Schedule 4**

---

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| **Loan Number** | **Seller Loan Number** | **Borrower 1 Last Name** | **Borrower 1 First Name** | **Borrower 2 Guarantor Flag** | **Borrower 2 Last Name** | **Borrower 2 First Name** | **Borrower 3 Guarantor Flag** | **Borrower 3 Last Name** | **Borrower 3 First Name** | **Borrower 4 Guarantor Flag** | **Borrower 4 Last Name** | **Borrower 4 First Name** | **Borrowing Entity Name** | **Borrower 2 Borrowing Entity Name** | **Address Street** | **Address Street 2** | **Address City** | **Address State** | **Address Zip** | **Loan Type** | **Product Type** | **Amortization Type** | **Note Status** | **Original Principal Balance** | **Note Date** | **First Payment Date** | **Note Rate** | **Note P&I** | **Payment Frequency** | **Maturity Date** | **Note Term** | **Amortized Term** | **Balloon** | **Balloon Term** | **Interest Only Period** | **Interest Only Term** | **Prepayment Penalty** | **Prepayment Penalty Term** | **Prepayment Penalty Type** | **Buydown** | **Buydown Period** | **Index** | **Look Back Period** | **Margin** | **Rounding Method** | **Max Rate At First Adj** | **Min Rate At First Adj** | **Rate Change Frequency** | **Payment Change Frequency** | **First Rate Change Date** | **First Payment Change Date** | **Next Rate Change Date** | **Next Pay Change Date** | **Periodic Rate Cap** | **Negative Amortization Principal Cap** | **Periodic Payment Cap Code** | **Maximum Rate** | **Minimum Rate** | **Lender Name** | **Origination Channel** | **Loan Modified** | **Reason For Modification** | **Mod Product Type** | **Modified Note Status** | **Modified Note Date** | **Note Amort Type Mod** | **Loan Amount Mod** | **Note Rate Mod** | **Note P&I Mod** | **Payment Frequency Mod** | **First Payment Date Mod** | **Maturity Date Mod** | **Loan Term Mod** | **Balloon Mod** | **Balloon Term Mod** | **Interest Only Period Mod** | **Interest Only Term Mod** | **Index Mod** | **Lookback Period Mod** | **Margin Mod** | **Rounding Method Mod** | **Max Rate At First Adj Mod** | **Min Rate At First Adj Mod** | **Rate Change Frequency Mod** | **Pay Change Frequency Mod** | **First Rate Change Date Mod** | **First Payment Change Date Mod** | **Next Rate Change Date Mod** | **Next Pay Change Date Mod** | **Periodic Rate Cap Mod** | **Negative Amortization Principal Cap Mod** | **Periodic Payment Cap Code Mod** | **Maximum Rate Mod** | **Minimum Rate Mod** | **Occupancy** | **Loan Purpose** | **Cash To Borrower At Close** | **Total Cash Out** | **Appraisal Status** | **Appraisal Form** | **Appraisal Date** | **Appraised Value** | **Sales Price** | **Value for LTV** | **Property Type** | **Number of Units** | **Year Built** | **Location** | **Occupancy Status** | **Appraisal Made** | **Site Value** | **Appraisal Review Type** | **Appraisal Review Value** | **LTV** | **CLTV** | **HCLTV** | **Mortgage Status** | **County** | **MIN Number** | **Transaction Date** | **Assumable** | **Mandatory Arbitration** | **Mortgage Insurance Required Indicator** | **Mortgage Cert in File** | **MI Paid By Borrower or Lender** | **MI Cert Number** | **MI Company** | **MI Percent of Coverage** | **MI Monthly Payment** | **Lien Position** | **Title Status** | **Other Liens** | **Other Lien Balance** | **Other Lien Payment** | **Title Doc Type** | **Title Interest Type** | **Property Tax Amount** | **Hazard Insurance Premium Amount** | **Flood Insurance Issuer** | **Flood Insurance Policy Mandatory** | **Flood Insurance Premium Amount** | **HOA Monthly Premium Amount** | **Application Status** | **Application Date** | **Number In Household** | **Relocation Loan** | **Credit Report Status** | **Credit Report Date** | **Longest Tradeline** | **Max Tradeline Amount** | **Number of Tradelines Open** | **Late Payments x30** | **Late Payments x60** | **Late Payments x90** | **Borrower 1 SSN** | **Borrower 1 Date of Birth** | **Borrower 1 Age** | **Borrower 1 Occupation** | **Borrower 1 Years On Job** | **Borrower 1 Years In Field** | **Borrower 1 Self Employed** | **Borrower 1 First Time Home Buyer** | **Borrower 1 Gender** | **Borrower 1 US Citizen** | **Borrower 1 Permanent Resident** | **Borrower 1 Non Permanent Resident** | **Borrower 1 Residency Basis Type** | **Borrower 1 Residency Duration Years** | **Borrower 1 Ethnicity** | **Borrower 1 Race** | **Borrower 1 Race 2** | **Borrower 1 Race 3** | **Borrower 1 Race 4** | **Borrower 1 Race 5** | **Borrower 1 Equifax Credit Score** | **Borrower 1 Experian Credit Score** | **Borrower 1 Transunion Credit Score** | **Borrower 1 Total Income** | **Borrower 2 SSN** | **Borrower 2 Date Of Birth** | **Borrower 2 Age** | **Borrower 2 Occupation** | **Borrower 2 Years On Job** | **Borrower 2 Years In Field** | **Borrower 2 Self Employed** | **Borrower 2 First Time Home Buyer** | **Borrower 2 Gender** | **Borrower 2 US Citizen** | **Borrower 2 Permanent Resident** | **Borrower 2 Non Permanent Resident** | **Borrower 2 Residency Basis Type** | **Borrower 2 Residency Duration Years** | **Borrower 2 Ethnicity** | **Borrower 2 Race** | **Borrower 2 Race 2** | **Borrower 2 Race 3** | **Borrower 2 Race 4** | **Borrower 2 Race 5** | **Borrower 2 Equifax Credit Score** | **Borrower 2 Experian Credit Score** | **Borrower 2 Transunion Credit Score** | **Borrower 2 Total Income** | **Current Balance** | **Current P&I** | **Representative Credit Score** | **Total Monthly Income** | **Total Remaining Gross Monthly Income** | **DTI (Front)** | **DTI (Back)** | **Total Monthly Expenses** | **Primary Residence Expense** | **Total Assets** | **Effective Amount (Assets Used)** | **Liquid Assets** | **Total Cash Required From Borrower** | **Cash Reserves** | **Months PITI Reserves** | **Months PITI Reserves (Qual Rate)** | **Qualification Method** | **Qualifying Rate** | **Qualifying P&I** | **DTI Qualifying (Front)** | **DTI Qualifying (Back)** | **Loan Doc Type** | **AUS Underwritten** | **What AUS Was Used** | **AUS Grade** | **HUD 1 Status** | **Disbursement Date** | **Good Faith Estimate Status** | **ROR Status** | **Early TIL Status** | **Corrected TIL Status** | **Final TIL Status** | **Active Material Exceptions** | **Active Non-Material Exceptions** | **Satisfied Exceptions** | **Waived Exceptions** | **Compensating Factors** | **General Comments** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Grade** | **Final Securitization Compliance Grade** | **Initial S&P Compliance Grade** | **Final S&P Compliance Grade** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** |
| 2125280 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 2661.30 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Mid Rise Condo (5-8) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 29.42 | (No Data) | (No Data) | (No Data) | 450.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 360 | 984223.00 | 3 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 743 | 748 | 762 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 748 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 145.51 | 145.51 | Fully Amortized | 7.625 | 2661.31 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | D A | A D | D A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2125282 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.8750 | 1168.81 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 32.24 | 32.24 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 189.38 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 77 | 3500.00 | 7 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 601 | 629 | 647 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 629 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 7.875 | 1168.82 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2125290 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 4547.75 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 216.42 | (No Data) | (No Data) | 441.61 | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 146 | 48000.00 | 16 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 726 | 712 | 742 | XXXXXX | (No Data) | (No Data) | 726 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 118.73 | 118.73 | Fully Amortized | 7.375 | 4547.76 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) |
| 2125291 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.2500 | 6836.53 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 282.67 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 272 | 99900.00 | 22 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 781 | 751 | 772 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 774 | 756 | 768 | XXXXXX | (No Data) | (No Data) | 772 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 18.75 | 18.75 | Fully Amortized | 8.250 | 6836.53 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 2123131 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 2429.74 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 167.07 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 214 | 11000.00 | 8 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 799 | 790 | 788 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 790 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 34.1 | 34.10 | Fully Amortized | 7.250 | 2429.75 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |

---

## Exhibit 99.04

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.04 - Schedule 5**

---

| | |
|:---|:---|
| **Valuations Summary** |  |
| Loans In Report: | 5 |
| Loans In Report: |  |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| |  |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance (%)** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date - Other** | **Value - Other** | **Variance Amount - Other** | **Variance (%) - Other** | **CU / LCA Score** |
| 2125280 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 2125282 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 2125290 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 2125291 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 2123131 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |

---

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

## Exhibit 99.04

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.04 - Schedule 6**

---

| | |
|:---|:---|
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| Loans in Report: | 5 |

---

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **Broker Application Date** | **GSE Eligible** | **QRM Flag** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Bwr 1 Employment Indicator** | **Bwr 2 Employment Indicator** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| 2125280 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2125282 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2125290 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2125291 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2123131 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |

---

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

## Exhibit 99.04

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.04 - Schedule 7**

---

| | |
|:---|:---|
| **ATR QM Upload** |  |
| Loans in Report: | 5 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 |
| **Loan Number** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Verification Safe Harbor (VSH)?** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **One or more Verification Safe Harbor Guidelines used?** | **Current/Reasonably Expected Income or Assets per Guideline used?** | **Current Debt Obligations, Alimony & Child Support per Guideline used?** | **Monthly DTI (includes monthly payment on subject loan and simultaneous loans)** | **Monthly Residual Income per guideline used?** | **Compensating Factors used for QM determination documented before closing?** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Asset Depletion** | **Asset Depletion Months Amortized** | **Asset Utilization** | **Partial Asset Depletion** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 2 Personal Guaranty Recourse to Borrower** | **Borrower 3 Guarantor Flag** | **Borrower 3 Personal Guaranty Recourse to Borrower** | **Borrower 4 Guarantor Flag** | **Borrower 4 Personal Guaranty Recourse to Borrower** | **Borrower 1 Paystub Flag** | **Borrower 1 Paystub Number of Months** | **Borrower 2 Paystub Flag** | **Borrower 2 Paystub Number of Months** | **Borrower 3 Paystub Flag** | **Borrower 3 Paystub Number of Months** | **Borrower 4 Paystub Flag** | **Borrower 4 Paystub Number of Months** | **Borrower 1 W2 Flag** | **Borrower 1 W2 Number of Months** | **Borrower 2 W2 Flag** | **Borrower 2 W2 Number of Months** | **Borrower 3 W2 Flag** | **Borrower 3 W2 Number of Months** | **Borrower 4 W2 Flag** | **Borrower 4 W2 Number of Months** | **Borrower 1 Personal Tax Return Flag** | **Borrower 1 Personal Tax Return Number of Months** | **Borrower 2 Personal Tax Return Flag** | **Borrower 2 Personal Tax Return Number of Months** | **Borrower 3 Personal Tax Return Flag** | **Borrower 3 Personal Tax Return Number of Months** | **Borrower 4 Personal Tax Return Flag** | **Borrower 4 Personal Tax Return Number of Months** | **Borrower 1 Business Tax Return Flag** | **Borrower 1 Business Tax Return Number of Months** | **Borrower 2 Business Tax Return Flag** | **Borrower 2 Business Tax Return Number of Months** | **Borrower 3 Business Tax Return Flag** | **Borrower 3 Business Tax Return Number of Months** | **Borrower 4 Business Tax Return Flag** | **Borrower 4 Business Tax Return Number of Months** | **Borrower 1 Verbal VOE Flag** | **Borrower 1 Verbal VOE Number of Months** | **Borrower 2 Verbal VOE Flag** | **Borrower 2 Verbal VOE Number of Months** | **Borrower 3 Verbal VOE Flag** | **Borrower 3 Verbal VOE Number of Months** | **Borrower 4 Verbal VOE Flag** | **Borrower 4 Verbal VOE Number of Months** | **Borrower 1 Written VOE Flag** | **Borrower 1 Written VOE Form** | **Borrower 1 Written VOE Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Form** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Form** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Form** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Prepared By** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Prepared By** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Prepared By** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **Borrower 4 P&L Prepared By** | **Borrower 4 P&L Number of Months** | **Borrower 1 Lease Agreement Flag** | **Borrower 1 Lease Agreement Number of Months** | **Borrower 2 Lease Agreement Flag** | **Borrower 2 Lease Agreement Number of Months** | **Borrower 3 Lease Agreement Flag** | **Borrower 3 Lease Agreement Number of Months** | **Borrower 4 Lease Agreement Flag** | **Borrower 4 Lease Agreement Number of Months** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **Cross Collateralized Loan?** | **Is the Loan a Short-Term Rental?** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **DSCR Method Used** | **Borrower 1 CPA Letter with Income Flag** | **Borrower 1 CPA Letter with Income Number of Months** | **Borrower 1 CPA Letter without Income Flag** | **Borrower 1 CPA Letter without Income Number of Months** | **Borrower 2 CPA Letter with Income Flag** | **Borrower 2 CPA Letter with Income Number of Months** | **Borrower 2 CPA Letter without Income Flag** | **Borrower 2 CPA Letter without Income Number of Months** | **Borrower 3 CPA Letter with Income Flag** | **Borrower 3 CPA Letter with Income Number of Months** | **Borrower 3 CPA Letter without Income Flag** | **Borrower 3 CPA Letter without Income Number of Months** | **Borrower 4 CPA Letter with Income Flag** | **Borrower 4 CPA Letter with Income Number of Months** | **Borrower 4 CPA Letter without Income Flag** | **Borrower 4 CPA Letter without Income Number of Months** | **Borrower 1 Personal Bank Statements Flag** | **Borrower 1 Personal Bank Statements Number of Months** | **Borrower 2 Personal Bank Statements Flag** | **Borrower 2 Personal Bank Statements Number of Months** | **Borrower 3 Personal Bank Statements Flag** | **Borrower 3 Personal Bank Statements Number of Months** | **Borrower 4 Personal Bank Statements Flag** | **Borrower 4 Personal Bank Statements Number of Months** | **Borrower 1 Business Bank Statements Flag** | **Borrower 1 Business Bank Statements Number of Months** | **Borrower 2 Business Bank Statements Flag** | **Borrower 2 Business Bank Statements Number of Months** | **Borrower 3 Business Bank Statements Flag** | **Borrower 3 Business Bank Statements Number of Months** | **Borrower 4 Business Bank Statements Flag** | **Borrower 4 Business Bank Statements Number of Months** | **Borrower 1 Award Letter Flag** | **Borrower 1 Award Letter Number of Months** | **Borrower 2 Award Letter Flag** | **Borrower 2 Award Letter Number of Months** | **Borrower 3 Award Letter Flag** | **Borrower 3 Award Letter Number of Months** | **Borrower 4 Award Letter Flag** | **Borrower 4 Award Letter Number of Months** | **Borrower 1 Offer Letter Flag** | **Borrower 1 Offer Letter Number of Months** | **Borrower 2 Offer Letter Flag** | **Borrower 2 Offer Letter Number of Months** | **Borrower 3 Offer Letter Flag** | **Borrower 3 Offer Letter Number of Months** | **Borrower 4 Offer Letter Flag** | **Borrower 4 Offer Letter Number of Months** | **Borrower 1 IRS Transcripts - Tax Returns Flag** | **Borrower 1 IRS Transcripts - Tax Returns Number of Months** | **Borrower 1 IRS Transcripts - W2s Flag** | **Borrower 1 IRS Transcripts - W2s Number of Months** | **Borrower 2 IRS Transcripts - Tax Returns Flag** | **Borrower 2 IRS Transcripts - Tax Returns Number of Months** | **Borrower 2 IRS Transcripts - W2s Flag** | **Borrower 2 IRS Transcripts - W2s Number of Months** | **Borrower 3 IRS Transcripts - Tax Returns Flag** | **Borrower 3 IRS Transcripts - Tax Returns Number of Months** | **Borrower 3 IRS Transcripts - W2s Flag** | **Borrower 3 IRS Transcripts - W2s Number of Months** | **Borrower 4 IRS Transcripts - Tax Returns Flag** | **Borrower 4 IRS Transcripts - Tax Returns Number of Months** | **Borrower 4 IRS Transcripts - W2s Flag** | **Borrower 4 IRS Transcripts - W2s Number of Months** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** | **BK Chapter** | **BK Filing Date** | **Months Since Filing Date** | **BK Discharge Date** | **Months Since Discharge Date** | **Ever in F/C?** | **F/C Last Proceeding Date** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 4 Documentation Used to Determine Legal Residency** |
| 2125280 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Mid Rise Condo (5-8) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3240.65 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2300.00 | No | (No Data) | 0.7097 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2125282 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1825.23 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4300.00 | No | (No Data) | 2.3558 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2125290 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5311.32 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4050.00 | No | (No Data) | 0.7625 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2125291 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8390.34 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4950.00 | No | (No Data) | 0.5899 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2123131 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3029.05 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2295.00 | No | (No Data) | 0.7576 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |

---

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

## Exhibit 99.04

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.04 - Schedule 8**

---

| | |
|:---|:---|
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| Loans in Report | 5 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field** | **Tape Data** | **Reviewer Data** |
| 2125280 | XXXXXX | Cash Reserves | 40888.8100 | 471559.6 |
| 2125280 | XXXXXX | Months Reserves | 12.0000 | 145.51 |
| 2125280 | XXXXXX | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) |
| 2125282 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 2125282 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 2125291 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 2123131 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |

---

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

## Exhibit 99.05

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.05**

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on behalf of its client, Ellington Management Group, LLC. The review included a total of 76 residential mortgage loans in connection with the securitization identified as EFMT 2026-NQM4 (the "Securitization"). The Review was conducted from October 2025 through December 2025 on mortgage loans originated between May 2022 and December 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:

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

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

● Validate borrower(s) monthly gross income

● Validate funds required to close, required reserves

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

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

● Review file documentation for required level of employment

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

● Confirm program, qualifying rate, terms

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

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

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

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

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

● Validate monthly recurring liabilities

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

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

● Documentation meets Appendix Q requirements for QM Loans

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

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

● Determine representative credit score from credit report

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm sufficient evidence in loan file, by reviewing the underwriter's decision to approve
the loan based upon the borrows income, debt, and credit history, to support borrower's willingness and ability to repay
the debt

&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm that Final 1003 is sufficiently completed

&nbsp;&nbsp;&nbsp;&nbsp;g. Provide Audit 1008 with accurate data based on file documentation

&nbsp;&nbsp;&nbsp;&nbsp;h. Confirm Loan Approval conditions were met

&nbsp;&nbsp;&nbsp;&nbsp;i. Review condominium questionnaire to verify all information is complete, prepared by an authorized
representative, and address any red flags that may deem condominium project ineligible

&nbsp;&nbsp;&nbsp;&nbsp;j. General QM for any loans originated under the GQM Rule

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Pricing Thresholds:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Pricing for First Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction with a loan amount greater than or equal to the applicable dollar amount threshold;
and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 3.5% for a first-lien covered transaction with a loan amount greater than or equal to the applicable dollar amount threshold;
and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 6.5% for a first-lien covered transaction with a loan amount less than the applicable dollar amount threshold.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Pricing for Subordinate Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3.5% for a subordinate-lien covered transaction with a loan amount greater than or equal to the applicable dollar amount threshold;
and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a subordinate-lien covered transaction with a loan amount less than the applicable dollar amount threshold.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Pricing for Manufactured Homes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction secured by a manufactured home with a loan amount equal to or greater than the applicable
dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a covered transaction secured by a manufactured home with a loan amount less than applicable dollar amount threshold.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Consider Income and Assets:

○ Consumer's current or reasonably expected income or assets (other than the value of the dwelling that secures the loan;

○ The consumer's debt obligations, alimony, child support; and

○ The monthly DTI or residual income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Verification of Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verification in compliance with one of the "safe harbor" guidelines will meet the QM verification requirement.
A creditor is allowed to "mix and match" provisions of the different guidelines rather than only apply one guideline
per loan.

The specific guidelines that the CFPB is designating for the safe harbor are: The GQM Rule provides that if the creditor verifies the consumer's income or assets, debt obligations, alimony, child support, and monthly DTI or residual income by meeting the standards of certain specified third-party underwriting manuals, then a creditor is presumed to have complied with the verification requirement. These specified manuals are:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Chapters B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published June 3, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Sections 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer Guide, published June 10, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sections II.A.1 and II.A.4-5 of the Federal Housing Administration's Single Family Housing Policy Handbook, issued October
24, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Chapter 4 of the U.S. Department of Veterans Affairs' Lenders Handbook, revised February 22, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Chapter 4 of the U.S. Department of Agriculture's Field Office Handbook for the Direct Single Family Housing Program,
revised March 15, 2019; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Chapters 9 through 11 of the U.S. Department of Agriculture's Handbook for the Single Family Guaranteed Loan Program,
revised March 19, 2020.

**Compliance Review**

Consolidated Analytics performed a "Compliance Review" to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. In relation to cash out refinances of investment property loans, documentation provided in the loan file will be reviewed only to validate the use of cash out proceeds for business purposes at the origination/consummation of the loan. In the event use of proceeds cannot be validated, or are deemed to be utilized for consumer purposes, the loan would then be subject to a "Compliance Review" of applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Test Loan Estimate(s) for accuracy and completeness as well as timing requirements as required
by TRID Regulations

&nbsp;&nbsp;&nbsp;&nbsp;b. Test Closing Disclosure(s) for accuracy and completeness as well as timing requirements as required
by TRID Regulations

&nbsp;&nbsp;&nbsp;&nbsp;c. Tolerance Testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare Loan Estimate and Closing Disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Identify Tolerance Violations and applicable cost to cure

&nbsp;&nbsp;&nbsp;&nbsp;d. Comprehensive review of Closing Disclosure to determine transaction accuracy

&nbsp;&nbsp;&nbsp;&nbsp;e. Recalculation of APR and Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;f. Testing of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal High Cost Mortgage provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Federal Higher Priced Mortgage Loans provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Local and/or State Anti-predatory and High Cost provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. HOEPA Points and Fees

&nbsp;&nbsp;&nbsp;&nbsp;g. Determine whether specified federal disclosures were provided timely based upon comparison of the
application date to the dates on such disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Service Provider List

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Home Ownership Counselling Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. ARM Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;h. Compliance with QM as it relates to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. APR Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Points & Fees Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment Penalty Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Product Eligibility Testing

&nbsp;&nbsp;&nbsp;&nbsp;i. Notice of Right to Cancel (Rescission) Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm transaction date, expiration date, and disbursement date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Confirm document is properly executed by all required parties to the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm the correct Right of Rescission document was executed for the transaction
type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirm a full three (3) day rescission period was provided to the borrower

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm through NMLS the loan originator and originating firm's license status was active
and properly disclosed on appropriate loan documents

&nbsp;&nbsp;&nbsp;&nbsp;k. Check the Loan participants against the exclusionary list provided by Client or by the purchaser
of the Loan(s)

&nbsp;&nbsp;&nbsp;&nbsp;l. Review closing documents to ensure that the Mortgage Loan information is complete, accurate, and
consistent with other documents; Confirm collateral documents have been recorded or sent for recording

The Compliance Review did not include any federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consolidated Analytics are dependent upon its receiving complete and accurate data regarding the loans from loan originators and other third parties upon which Consolidated Analytics is relying in reaching such findings.

**Valuation Review**

Consolidated Analytics performed a "Valuation Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Review original appraisal, determination that property is in "average" condition or
better, or property requires cosmetic improvements (as defined by the appraiser) that do not affect habitability. Should an area
of concern be identified with the condition of the property, Consolidated Analytics will alert Client.

&nbsp;&nbsp;&nbsp;&nbsp;b. Review appraisal, determination that property is completely constructed and appraisal is on an
"as is basis," or property is identified as not completely constructed by originating appraiser.

&nbsp;&nbsp;&nbsp;&nbsp;c. Review and determine if the appraisal report was performed on appropriate GSE forms and if the
appraiser indicated in the body of the subject appraisal that the appraisal conforms to USPAP standards.

&nbsp;&nbsp;&nbsp;&nbsp;d. Review and determine the relevance of the comparable properties and ensure that a rational and
reliable value was provided and supported as of the effective date of the Origination Appraisal.

&nbsp;&nbsp;&nbsp;&nbsp;e. Review adjustments (line item, net and gross adjustments) to ensure they are reasonable.

&nbsp;&nbsp;&nbsp;&nbsp;f. Ensure that the appraisal conforms to the guidelines provided from the Client.

&nbsp;&nbsp;&nbsp;&nbsp;g. Review appraisal to ensure all required documents were included.

&nbsp;&nbsp;&nbsp;&nbsp;h. Review location map provided within the appraisal for external obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;i. Ensure highest and best use and zoning complies with guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm there are no marketability issues that affect the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;k. Ensure subject property does not suffer any functional obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;l. Where applicable, determine if the file did not contain the appraisal or other valuation method
and a review could not be performed.

&nbsp;&nbsp;&nbsp;&nbsp;m. Additional valuation products were not required when the CU score provided was 2.5 or below or
the appraisal LCA risk score was eligible for Collateral Rep and Warranty relief. In the event the CU score was greater than 2.5
or the LCA score was not eligible for R&W relief, an additional valuation product was obtained to confirm value was supported
within 10% tolerance. In some instances, based on guidance from the seller, CDA's were ordered on loans that had an acceptable
CU score or R&W eligibility.

Consolidated Analytics applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product.

For loans reviewed in a post-close valuation review scenario (76 loans in total):

Consolidated Analytics has independent access to the Desktop Reviews ordered by the Aggregator.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then an additional valuation product along with a Reconciliation of the values was completed. There were five (5) occurrences of this.

BPOs or AVMs were obtained for loans seasoned 24 or more months at the time of review.

Twenty (20) loans had an AVM, four (4) loans had a Desktop Review, and six (6) loans had a BPO.

**Product totals may not sum due to multiple products for each loan.**

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the seventy-six (76) mortgage loans reviewed, seventy-five (75) unique mortgage loans (98.68% by loan count) had a total of two hundred eighty-three (283) discrepancies across twenty (20) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves | &nbsp;&nbsp;67 | &nbsp;&nbsp;23.67% |
| &nbsp;&nbsp;Total Qualified Assets for Reserves Post-Close | &nbsp;&nbsp;56 | &nbsp;&nbsp;19.79% |
| &nbsp;&nbsp;Number of Mortgaged Properties | &nbsp;&nbsp;42 | &nbsp;&nbsp;14.84% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;26 | &nbsp;&nbsp;9.19% |
| &nbsp;&nbsp;ARM Initial Interest Rate Maximum | &nbsp;&nbsp;22 | &nbsp;&nbsp;7.77% |
| &nbsp;&nbsp;ARM Initial Interest Rate Minimum | &nbsp;&nbsp;22 | &nbsp;&nbsp;7.77% |
| &nbsp;&nbsp;Lock Date | &nbsp;&nbsp;11 | &nbsp;&nbsp;3.89% |
| &nbsp;&nbsp;GSE Eligible Flag | &nbsp;&nbsp;8 | &nbsp;&nbsp;2.83% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;7 | &nbsp;&nbsp;2.47% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;7 | &nbsp;&nbsp;2.47% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.77% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.71% |
| &nbsp;&nbsp;Borrower 1 Origination FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;Borrower 2 Origination FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**283** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 60 | $30457430.00 | 78.95% |
| Event Grade B | 16 | $8765000.00 | 21.05% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 76 | $39222430.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 67 | 88.16% |
| Event Grade B | 9 | 11.84% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 76 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 72 | 94.74% |
| Event Grade B | 4 | 5.26% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 76 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 71 | 93.42% |
| Event Grade B | 5 | 6.58% |
| Event Grade C | 0 | 0% |

---

---

| | | |
|:---|:---|:---|
| Event Grade D | 0 | 0% |
| **Total Sample** | 76 | 100.00% |

---

 **Exception Category Summary**

The table below summarizes the individual exceptions which carried an associated "A", "B", "C", or "D" level exception grade. One loan may have carried more than one exception. In such cases, the exception with the lowest grade would drive the loan grade for that particular area of the review. The overall loan grade is the lowest grade for any one particular review scope (ex. a loan with a Compliance Grade of "B", a Credit Grade of "A", and a Property Grade of "A" would receive an overall Loan Grade of "B").

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception Type | &nbsp;&nbsp;Exception Level Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;60 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Property Title Issue | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Coverage is Less than Subject Lien | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Verification of Mortgage | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Number of Months) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset 1 Expired | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing VVOE dated within 10 days consummation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;DSCR is less than guideline minimum | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Total Hazard Coverage is LESS than the Required Coverage Amount | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Guideline Seasoning not Met | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Approval/Underwriting Summary Partially Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing explanation and supporting documentation for large deposit(s) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***80*** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;HO6 Master Insurance Policy is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited Loan Amount is greater than Guideline Maximum Loan Amount | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Insufficient DSCR | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower 1 Credit Report is Expired | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Title Coverage is Less than Subject Lien | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower 1 Paystubs Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower Rental Experience Not Within Guidelines | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***9*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;19 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Homeownership Counseling Disclosure Is Partially Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***32*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ARM Disclosure Not Provided Within 3 Days of Application Date | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Revised Loan Estimate Delivery Date Test (prior to consummation) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***5*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;57 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;16 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;HOA Does Not Meet Guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***74*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property Issue(s) are Present | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Condo Approval Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;External Obsolescence Present | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***6*** |

---

**Event Grade Definitions**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Final Loan Grade** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation Guidelines |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and substantially meets published guidelines. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Loan is missing documentation to perform a sufficient review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;**Compliance Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan violates one material law or regulation. The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by the AVM or there are other supporting documents in the originators loan file package (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal by the AVM and there are no other valuation support documents in the loan file provided by the Seller. The valuation methodology substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.05

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.05 - Schedule 1**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 2106665 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | using personal assets for reserves |
| 2106665 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Per asset Statements in file |
| 2108391 | XXXXX |  | GSE Eligible Flag | XXX | XXX | Updated the XXX according to the loan program for the file |
| 2108391 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Updated the XXX according to the loan approval |
| 2108391 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Updated assets reserves according to the DU in file |
| 2108391 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Updated assets reserves according to the DU in file for post closing |
| 2098437 | XXXXX |  | Lock Date | XX/XX/XXXX | XX/XX/XXXX | Lock confirmation in file is dated XX/XX/XXXX. |
| 2098437 | XXXXX |  | Property City | XXX | XXX | XXX per note. |
| 2098437 | XXXXX |  | Property Zip Code | XXX | XXX | XXX per note. |
| 2098437 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Amount reflects the available assets via documentation found in file |
| 2106670 | XXXXX |  | Lock Date | XX/XX/XXXX | XX/XX/XXXX | Update the XXX according to the Lock agreement in file |
| 2106670 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | TOTAL ASSETS IN THE FILE COMBINED AND UPDATED |
| 2106670 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | pre vs post closing assets |
| 2106673 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Final Loan Application |
| 2106673 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | No reserves documented per guidelines and loam approval reserves required for investment of a minimum of XXX months for subject property and XXX months for each additional REO. |
| 2106673 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Final CD for REO Refi cash out used for borrower's funds required for reserves. |
| 2106766 | XXXXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | Initial interest rate is XXX%. |
| 2106766 | XXXXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | ARM initial interest rate is XXX%. |
| 2106766 | XXXXX |  | Lock Date | XX/XX/XXXX | XX/XX/XXXX | Loxk date was XX/XX/XXXX. |
| 2106766 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Borrower owns a total of XXX properties including purchase of subject. |
| 2106766 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Total qualifying asses is $XXX. |
| 2106676 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Based on Credit Report and 1003 borrowers have XXX financed properties. |
| 2106676 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Based on asset documents in file borrowers qualified assets total $XXX. |
| 2106676 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Per asset Statements in file |
| 2106767 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 2106767 | XXXXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | Per Note |
| 2106767 | XXXXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | Per Note |
| 2106767 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Per 1003 |
| 2106767 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Per Asset Documentation |
| 2106768 | XXXXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | Per documentation provided, information updated |
| 2106768 | XXXXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | Per documentation provided Index rate updated |
| 2106768 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Number of financed properties updated based on correct number of financed properties |
| 2106768 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Available assets updated based on most recent asset Statement provided |
| 2106677 | XXXXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | Per Note |
| 2106677 | XXXXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | Per Note |
| 2106677 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Per credit report and URLA, br has XXX properties |
| 2106677 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Per lender guidelines |
| 2106677 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Per asset Statements in file |
| 2106678 | XXXXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | XXX% next max rate change per note |
| 2106678 | XXXXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | XXX% is next rate change minimum |
| 2106678 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Data verified via bank Statements on file |
| 2106769 | XXXXX |  | Lock Date | XX/XX/XXXX | XX/XX/XXXX | compliance document |
| 2106769 | XXXXX |  | Refinance Type | XXX | XXX | Loan purpose per final CD |
| 2106769 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Per Bank Statements - not including cash to borrower |
| 2106769 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Per Bank Statements |
| 2108392 | XXXXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | maximum rate is XXX% per note pg XXX |
| 2108392 | XXXXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | minimum int rate is XXX% per note pg. XXX |
| 2108392 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Borrower owns XXX financed properties including subject property |
| 2108392 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Total asset = XXX |
| 2108392 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | XXX is assets for reserves post closing |
| 2106680 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Number of Mtg units XXX verified by application |
| 2106680 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Assets Verified with Statements XXX |
| 2106680 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Per asset Statements in file |
| 2108388 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per the 1003 the XXX is XX/XX/XXXX. |
| 2108388 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | XXX is confirmed as XXX properties. |
| 2108388 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Borrower confirmed assets per the Statements |
| 2108388 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Per asset balance on documents in file. |
| 2106770 | XXXXX |  | Lock Date | XX/XX/XXXX | XX/XX/XXXX | LE dated XX/XX/XXXX confirms rate lock good thru XX/XX/XXXX. |
| 2106770 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Number of mortgages confirmed using the credit report dated XX/XX/XXXX. |
| 2106770 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Auditor used XXXX asset Statement XX/XX/XXXX to confirm qualifying assets. |
| 2106771 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI XXX is slightly higher due to higher Net Rental income of $-XXX. |
| 2106771 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Confirmed with assets provided |
| 2106771 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Confirmed with assets provided |
| 2106772 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 2106772 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Per 1003 and credit report |
| 2106772 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Rounding on DTI |
| 2106772 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Data reflects the dollar amount of reserves according to the bank Statement(s) balance(s) provided. |
| 2106772 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Data reflects the number of reserves according to the bank Statement(s) balance(s) provided and net proceeds at the time of consummation. |
| 2106774 | XXXXX |  | Lock Date | XX/XX/XXXX | XX/XX/XXXX | Per Lock Agreement - XXX XX/XX/XXXX |
| 2106774 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | verified all data is correct, XXX has additional XXX subject income. Final DTI is XXX% |
| 2106774 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Total Assets per Documentation provided - XXX # XXX + XXX #XXX - XXX + XXX #XXX - XXX = XXX |
| 2106774 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Total Qualifying Assets for Reserves - XXX - Cash to Close XXX = XXX |
| 2106682 | XXXXX |  | Lock Date | XX/XX/XXXX | XX/XX/XXXX | Per Lock confirmation document |
| 2106682 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | XXX includes subject loan |
| 2106682 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Confirmed Total assets of XXX per asset document balances. |
| 2106682 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Per asset Statements in file |
| 2106775 | XXXXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | per arm disclosure |
| 2106775 | XXXXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | per note |
| 2106775 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | per credit report |
| 2106775 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | per assets in file |
| 2106683 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Br has XXX financed properties |
| 2106683 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | lender assets are post closing assets |
| 2106683 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | lender assets are post closing assets |
| 2106684 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Confirmed REO is XXX total |
| 2106684 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Confirmed assets. XXX |
| 2106684 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | all assets verified with bank Statements and match urla |
| 2106685 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Borrowers personal assets are documented as $XXX. |
| 2106685 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Confirmed verified assets in file. |
| 2106778 | XXXXX |  | GSE Eligible Flag | XXX | XXX | Confirmed eligible, DU in file. |
| 2106778 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Confirmed number including subject is XXX |
| 2106778 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | DTI difference is from XXX payment for XXX credit account (show XXX balance on credit report in loan file). |
| 2106778 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Confirmed assets verified in file. |
| 2106778 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Confirmed verified assets in file. |
| 2106779 | XXXXX |  | GSE Eligible Flag | XXX | XXX | Verified XXX Yes, DU Approve/Eligible |
| 2106779 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Verified XXX |
| 2106779 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| 2106779 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Verified XXX $ XXX |
| 2106779 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Verified XXX $ XXX |
| 2108393 | XXXXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | Verified XXX Verified no prepayment penalty using the Note |
| 2108393 | XXXXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | Verified ARM minimum interest rate using the ARM Rider |
| 2108393 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Verified Total assets using the asset Statement |
| 2106780 | XXXXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | Per Note, initial interest rate maximum is XXX% |
| 2106780 | XXXXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | Per note, initial interest rate change minimum is XXX% |
| 2106780 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Per final XXX and AUS, total assets were XXX |
| 2106780 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Assets listed on 1003 match LM. Funds available after closing are XXX |
| 2106686 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Final signed XXX: XX/XX/XXXX (pg. XXX) |
| 2106686 | XXXXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | Interest Rate Max will never exceed XXX% (pg. XXX) |
| 2106686 | XXXXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | Note reflects interest rate and rate changes. (pg. XXX) |
| 2106686 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Investment property and Subject noted on Final 1003 (pg. XXX) |
| 2106686 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | XXX IRA: Traditional IRA (pg.XXX) |
| 2106686 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Confirmed verified assets in file. |
| 2106781 | XXXXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | The XXX is XXX per the ARM Disclosure |
| 2106781 | XXXXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | Per the note/ARM Disclosure; the XXX is XXX |
| 2106781 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | XXX confirmed as XXX (XXX XXX primary residence, and XXX as subject/investment property) |
| 2106781 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Total qualified Assets for Reserves is XXX |
| 2106781 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Confirmed total qualifying assets XXX per the bank Statements |
| 2106782 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Slight variance in the income calculation. Auditor calculation is lower by $XXX. |
| 2106782 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Per asset Statements in file |
| 2106782 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Assets starting on pg XXX |
| 2106689 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | confirmed - borrower has XXX property with mortgage after purchase this subject property |
| 2106689 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Per asset Statements in file |
| 2106689 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Per asset Statements in file |
| 2106690 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | reserves : bank Statements + cash out |
| 2106690 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Per asset Statements in file |
| 2106691 | XXXXX |  | Lock Date | XX/XX/XXXX | XX/XX/XXXX | XXX is XX/XX/XXXX per lock confirmation in file |
| 2106691 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | per Final 1003 and credit report |
| 2106691 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | per assets in file. |
| 2106691 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Per asset Statements in file |
| 2108395 | XXXXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | Verified XXX, not be greater than XXX% |
| 2108395 | XXXXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | Verified XXX XX/XX/XXXX % |
| 2108395 | XXXXX |  | GSE Eligible Flag | XXX | XXX | Verified, GSE Eligible PL Accept Eligible |
| 2108395 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Verified XXX (this loan) |
| 2108395 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Liabilities and income match the lender's calcuations. DTI is lower than Stated on the DU - unable to confirm where the difference is confirmed. |
| 2108395 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Verified XXX $ XXX |
| 2108395 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Verified XXX |
| 2106784 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Notice of intent to proceed dated XX/XX/XXXX |
| 2106784 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Total XXX is includes two open mortgages on credit report and includes new mortgage |
| 2106784 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| 2106784 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Total qualifying reserves are based on final balance from consumers three XXX account |
| 2106784 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Total qualifying assets are based on final balance from consumers three XXX account |
| 2106785 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | variance due to duplicate XXX from lender. |
| 2106785 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | XXX- Current Assets in file- XXX |
| 2106785 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | XXX- Current Assets in file XXX |
| 2106788 | XXXXX |  | GSE Eligible Flag | XXX | XXX | AUS |
| 2106788 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | XXX mortgage prop |
| 2106788 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Confirmed XXX% DTI |
| 2106788 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Using XXX% of stocks bonds and mutual funds |
| 2106788 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Using XXX% of stocks bonds and mutual funds |
| 2106698 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Borrower has XXX financed properties including subject |
| 2106698 | XXXXX |  | Property City | XXX | XXX | Confirmed with Note |
| 2106698 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| 2106698 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Confirmed with assets |
| 2106698 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | tape data are assets after closing |
| 2106789 | XXXXX |  | GSE Eligible Flag | XXX | XXX | GSE |
| 2106789 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | # of mortgages is subject property |
| 2106789 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Assets |
| 2106701 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Updated LauraMac with correct number of properties. |
| 2106701 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per Income and expense documents in the loan file. |
| 2106701 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Updated LauraMac with cash out from CD. |
| 2106701 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Updated LauraMac with cash out from CD. |
| 2106703 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Per Final 1003 borrower has XXX mortgages |
| 2106703 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| 2106703 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Per asset Statements in file |
| 2106703 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Per asset Statements in file |
| 2106794 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | App date matches what is in the system. |
| 2106794 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | DTI matches it was just rounded down. |
| 2106794 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Assets match the bank Statement |
| 2106795 | XXXXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | per documents in file |
| 2106795 | XXXXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | per document XXX |
| 2106795 | XXXXX |  | Refinance Type | XXX | XXX | Loan purpose per final CD |
| 2106795 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | assets confirmed on pg XXX |
| 2106795 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | assets confirmed on pg XXX |
| 2106804 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | total number of financed properties is XXX including subject property |
| 2106804 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | XXX% DTI is meets guideline XXX% (DTI difference between AUS is due to Neg rental amount) |
| 2106804 | XXXXX |  | Refinance Type | XXX | XXX | Cashout type is Other |
| 2106804 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Total verified assets is XXX |
| 2106804 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Total verified assets is XXX |
| 2106805 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Per 1003 |
| 2106805 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Data matches 1003/XXX |
| 2106805 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Per Verified Assets Documentation |
| 2106806 | XXXXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | Per Adjustable Rate Rider - Maximum Rate XXX |
| 2106806 | XXXXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | Per Adjustable rate Rider ARM initial minimum rate - XXX |
| 2106806 | XXXXX |  | Lock Date | XX/XX/XXXX | XX/XX/XXXX | verified with lock confirmation |
| 2106806 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Per Credit Report XXX mortgages + New mortgage = XXX Mortgages for XXX are a 1st and 2nd for the same po |
| 2106806 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Total Qualifying Assets - Per XXX/AUS |
| 2106806 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Total Qualifying Assets - Per XXX/AUS |
| 2106715 | XXXXX |  | Lock Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed the XXX as XX/XX/XXXX; per the Lock-In Agreement |
| 2106715 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | confirmed via bank Statements borrower's total assets verified as XXX Business accounts not used as personal assets. |
| 2106715 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Borrower post closing assets for reserves are confirmed as XXX Borrower getting cash back per the final CD -$XXX. Using cash back as reserves. |
| 2106811 | XXXXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | Per Note provided maximum rate has been updated |
| 2106811 | XXXXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | Assets balance updated based on most recent Statement provided |
| 2106811 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Reserves updated based on Lender GL |
| 2106811 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Per most recent bank Statements provided, assets provided balance updated |
| 2106812 | XXXXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | XX/XX/XXXX matches the note. |
| 2106812 | XXXXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | Arm installment is correct. |
| 2106812 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Final DTI is XXX% vs lender XXX%. Variance is due to REO calculation for XXX. Lender calculated XXX vs audit XXX positive rental income. |
| 2106812 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Assets verified through Statements |
| 2106812 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Assets verified through Statements |
| 2106717 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Confirmed with credit report, XXX financed properties including subject |
| 2106717 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Confirmed with assets in file using XXX% as borrower is over XXX. |
| 2106717 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Confirmed with assets in file using XXX% as borrower is over XXX. |
| 2106814 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | XXX properties total - this included subject property |
| 2106814 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | DTI XXX higher than Lenders due to difference in neg rent |
| 2106814 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | XXX Assets verified by Statements |
| 2106814 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | XXX Assets verified by Statements |
| 2106816 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Audit value includes subject property |
| 2106816 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | within tolerance |
| 2106816 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Per verified assets |
| 2106816 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Per verified assets |
| 2106721 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | DTI discrepancy is minimal due to income calculation. |
| 2106721 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Post close assets reflect c/o amount and assets from XXX bank of XXX |
| 2106819 | XXXXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | Confirmed per the note, XXX |
| 2106819 | XXXXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | The Arm Initial Interest Rate is confirmed as XXX% |
| 2106819 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Confirmed number of mortgage as XXX (subject property and the borrower's primary residence) |
| 2106819 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| 2106819 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Per Bank Statements the Total Qualified Assets XXX |
| 2106819 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Per Bank Statements the Total Qualified Assets XXX |
| 2106723 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | XXX Properties verified plus subject property |
| 2106723 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Data of XXX verified with Statements |
| 2106723 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Assets verified were FTC and Reserves in the amount of XXX with Stock Statements and Checking Account |
| 2106724 | XXXXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | Per Note, initial rate maximum is XXX%. Tape data reflects rounding method. |
| 2106724 | XXXXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | Per Note, initial rate minimum is XXX%. Tape data reflects life rate minimum. |
| 2106724 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Per Final 1003, XXX total properties reflected. Tape date is number of total mortgages reflected. |
| 2106724 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| 2106724 | XXXXX |  | Refinance Type | XXX | XXX | Per guidelines, limited cash-out refinances are incidental cash-back is limited to greater of XXX or XXX% of the principal loan amount. |
| 2106724 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Per asset documentation, total assets are $XXX. Tape data does not reflect the additional XXX that were backed out of assets for cash to close on O/O refinance. |
| 2106724 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Per asset documentation, total post close assets are $XXX. Tape data does not reflect the additional XXX that were backed out of assets for cash to close on O/O refinance. |
| 2108389 | XXXXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | the max initial interest rate change will not be greater than XXX |
| 2108389 | XXXXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | the initial interest rate change will not be greater than XXX or less than XXX. |
| 2108389 | XXXXX |  | Borrower 1 Origination FICO | XXX | XXX | Borrower1 middle score is XXX |
| 2108389 | XXXXX |  | Borrower 2 Origination FICO | XXX | XXX | Borrower2 middle score is XXX |
| 2108389 | XXXXX |  | Lock Date | XX/XX/XXXX | XX/XX/XXXX | verified with lock confirmation |
| 2108389 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| 2108389 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Total asset is XXX |
| 2108389 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Total asset is XXX |
| 2106733 | XXXXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | Updated per Note. |
| 2106733 | XXXXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | Updated per Note. |
| 2106733 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Updated based on credit report and Lender Final 1003. |
| 2106733 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | slight variance in REO calculations |
| 2106733 | XXXXX |  | Refinance Type | XXX | XXX | Updated per final CD. No cash out. Borrower had to provide funds to close. |
| 2106733 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Updated based on current bank Statements used for reserves. |
| 2106733 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Updated based on current bank Statements used for reserves. |
| 2106734 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | existing mortgage + new subject loan= XXX |
| 2106734 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Stated vs verified |
| 2106734 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Stated vs verified |
| 2106737 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Consumer provided XXX months bank Statements for XXX (DDA) and XXX (Investment) total available is based on final Statement balance less the deduction for non-liquid funds |
| 2106737 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Consumer provided XXX months bank Statements for XXX (DDA) and XXX (Investment) total available is based on final Statement balance less the deduction for non-liquid funds |
| 2106741 | XXXXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | per note |
| 2106741 | XXXXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | per note |
| 2106741 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | per credit report and documentation in file |
| 2106741 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| 2106741 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | per assets in file |
| 2106741 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | per assets in file |
| 2106742 | XXXXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | interest rate is accurate XX/XX/XXXX |
| 2106742 | XXXXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | pg XXX interest rate XX/XX/XXXX |
| 2106742 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | rounded |
| 2106742 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Per asset Statements in file |
| 2106742 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | per documents in file |
| 2106826 | XXXXX |  | GSE Eligible Flag | XXX | XXX | Loan is GSE Eligible |
| 2106826 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Verified total qualifying assets using the bank Statement and AUS |
| 2108390 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | XXX - other assets not used to qualify |
| 2108390 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | XXX - other assets not used to qualify |
| 2106828 | XXXXX |  | GSE Eligible Flag | XXX | XXX | per AUS |
| 2106828 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Verified XXX $ XXX |
| 2106828 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Verified XXX $ XXX |
| 2106754 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | XXX% DTI confirmed per docs in file |
| 2106754 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Per asset Statements in file |
| 2106754 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Verfied XXX |
| 2106757 | XXXXX |  | Total Qualified Assets Available For Reserves | XXX | XXX | Data reflects total assets of XXX and Tape reflect Assets of XXX - Funds to close XXX = XXX |
| 2106757 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Audit Data reflects total assets of XXX and Tape reflect Assets of XXX - Funds to close XXX = XXX |
| 2120489 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Confirmed after funds to close. |
| 2120490 | XXXXX |  | Property Value | $XXX | $XXX | Verified XXX using the appraisal |
| 2120490 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified total assets using bank Statements |
| 2129306 | XXXXX |  | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | confirmed 1st payment date XX/XX/XXXX |
| 2129306 | XXXXX |  | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | confirmed XXX XX/XX/XXXX |
| 2129306 | XXXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | confirmed XXX XX/XX/XXXX |
| 2129306 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | confirmed reserves with cash-out proceeds |
| 2116908 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified with the initial 1003 |
| 2116908 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified with the asset Statement |
| 2120488 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified with the most recent asset Statement |
| 2120487 | XXXXX |  | Property County | XXX | XXX | updated per DOT per monthrtgage |
| 2120487 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | updated per asset Statements |
| 2120486 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset Statements in file |

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## Exhibit 99.05

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.05 - Schedule 2**

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** |
| 2106665 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/06/2025 | Acknowledged | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required, Refund in the amount of $XXX. Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The Zero tolerance violation is due to the increase in the Loan Origination Fee on the LE dated XXX and no COC was found in the file explaining the reason for why the fee increased. Please provide a Valid COC or Cure Package. Downgraded due to SOL | The only time the Origination increased is when the loan amount increased which is a Valid COC. Was XXX - Closed at XXX | 10/10/2025 | Acknowledged as 2/B grading per client request, Downgraded due to SOL.; The documentation in file doesnt contain a date the borrower requested/the lender became aware of the change of loan amount for accurate testing | 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% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2106665 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/06/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2106665 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/06/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2108391 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. UW- The UCDP not provided a risk score on the Collateral report |  |  | Third party valuation product provided within tolerance.; Document Uploaded. ; AVM provided, however, FSD score was above XXX and not eligible to clear TPV requirement. Please provide an additional secondary validation product. | 03/03/2026 | C A |
| 2108391 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | C A |
| 2098437 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/06/2025 | Acknowledged | XXX | Compliance | ARM Disclosure Not Provided Within 3 Days of Application Date | ARM Disclosure dated, (XX/XX/XXXX) was not provided within XXX Days of XXX, (XX/XX/XXXX). Downgraded due to SOL |  |  | Acknowledged as 2/B grading per client request. | 11/11/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 2098437 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/06/2025 | Acknowledged | XXX | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. There is no cure for a timing issue. The Borrower received the revised LE dated XX/XX/XXXX on XX/XX/XXXX, as evidence by the signatures, while the consummation date was XX/XX/XXXX, which is less than XXX business days from the receipt date of the revised LE. Downgraded due to SOL |  |  | Acknowledged as 2/B grading per client request. | 11/11/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 2098437 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/06/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/11/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 2098437 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/06/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/11/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 2106669 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/07/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/11/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 2106669 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/07/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/11/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 2106669 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/07/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/11/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 2106670 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/24/2025 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance.; Document Uploaded. | 03/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106670 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/06/2025 | Rescinded | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | ; Compliant | 10/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106670 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/06/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106673 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/02/2026 | Rescinded | XXX | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX |  |  | Duplicate finding. Condition rescinded. | 03/03/2026 | Qualifying Reserves Greater than the Guideline Minimum - Calculated Reserves of XXX months is greater than Guideline minimum Reserves of XXX months B A |
| 2106673 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Acknowledged | XXX | Credit | Insufficient DSCR | Audited DSCR of XXX is less than the minimum XX/XX/XXXX DSCR required by guides. The lender did not include the XXX HOA fee into their final PITIA. Lender's final PITIA on the URLA is XXX and XXX on the DSCR sheet. Audit's final PITIA is XXX with a DSCR of XXX. Audited DSCR is less than the minimum required by underwriting guides. | Document Uploaded. See exception approval from XXX LOS. | 10/14/2025 | Lender exception approval dated XX/XX/XXXX provided - DSCR compensating factors 03/03/2026 Qualifying Reserves Greater than the Guideline Minimum - Calculated Reserves of XXX months is greater than Guideline minimum Reserves of XXX months C B C B C B A A A A C C A A C C A A C C A A C C A A C C A A B B A A B B A A B B A A B B A A B B A A |  |  |
| 2106673 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/07/2025 | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX | Document Uploaded. See FTP | 10/14/2025 | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien XXX | 10/16/2025 | Qualifying Reserves Greater than the Guideline Minimum - Calculated Reserves of XXX months is greater than Guideline minimum Reserves of XXX months B A |
| 2106673 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements After further review, the loan is missing asset Statement evidencing borrower's own funds of XXX = XXX months PITIA for reserves. Please provide missing asset Statement. | Document Uploaded. The CD showing the proceeds from the refinance of XXX (dated XX/XX/XXXX) was used as the reserves. XXX was XX/XX/XXXX. | 10/16/2025 | Asset Qualification Meets Guideline Requirements; The Settlement Statement – HUD-XXX, showing the proceeds from the refinance of XXX (dated XX/XX/XXXX), was used as reserves. The XXX was XX/XX/XXXX. | 10/16/2025 | Qualifying Reserves Greater than the Guideline Minimum - Calculated Reserves of XXX months is greater than Guideline minimum Reserves of XXX months B A |
| 2106673 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/07/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/13/2025 | Qualifying Reserves Greater than the Guideline Minimum - Calculated Reserves of XXX months is greater than Guideline minimum Reserves of XXX months B A |
| 2106766 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Condition required 2nd appraisal valuation, not found in loan file. |  |  | Third party valuation product provided within tolerance. | 10/29/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106766 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/17/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106676 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | 10/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106676 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106767 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106767 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/17/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106768 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2106768 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/22/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2106677 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106677 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106678 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/07/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106678 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/07/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106769 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Acknowledged | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: The subject is in XXX which is ineligible. A Lender exception is noted with compensating factors: Low LTV, extremely low DTI. |  |  | A Lender exception is noted with compensating factors: Low LTV, extremely low DTI. Exception downgraded to a level 2/B. | 03/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| 2106769 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Provide a third party review product to support the appraised value within tolerance. |  |  | Third party valuation product provided within tolerance.; Document Uploaded. ; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM provided; not within value. Additional documentation is required. | 03/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| 2106769 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/17/2025 | 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% B A |
| 2106769 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | 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% B A |
| 2108392 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance.; Third party valuation product provided within tolerance.; Document Uploaded. ; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM and BPO provided. Not within value. Additional documentation is required. ; Document Uploaded. | 03/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2108392 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2108392 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2106680 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106680 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2108388 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/07/2025 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. A CU score >XXX (Per SSR Report is XXX), a Third Party Valuation Product (CDA (desk review) from XXX) is required. Please provide. |  |  | Third party valuation product provided within tolerance.; Third party valuation product provided within tolerance.; Document Uploaded. ; Third Party Valuation Product Not Provided or Not Provided Within Tolerance.; Document Uploaded. | 03/03/2026 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 2108388 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/08/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 10/13/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 2108388 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/10/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/13/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 2106770 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/17/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 2106770 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/17/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 2106770 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/17/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 2106771 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | XXX | Credit | Missing explanation and supporting documentation for large deposit(s) | Missing explanation and supporting documentation for the following large deposits: XXX #XXX XX/XX/XXXX and XX/XX/XXXX XXX #XX/XX/XXXX | Document Uploaded. | 10/20/2025 | HUD for cash out refi amount of XXX provided. | 10/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 2106771 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | XXX | Credit | Missing Verification of Mortgage | Missing verification of mortgage for property in XXX. Final application reflects owned free and clear but homeowners insurance declarations page in file reflects a mortgagee clause. | Document Uploaded. | 10/20/2025 | UWM paid in full letter provided. | 10/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 2106771 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing HOA, if applicable, for property in XXX | Document Uploaded. | 10/20/2025 | HOA for XXX was verified, exception resolved. | 10/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 2106771 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/17/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 2106772 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106772 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106774 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/16/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2106774 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/16/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2106682 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/07/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106682 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/07/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106775 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2106775 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2106683 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/07/2025 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | 03/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106683 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/07/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106684 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Acknowledged | XXX | Credit | Borrower Rental Experience Not Within Guidelines | Guidelines require at least XXX month's of rental experience. Borrower has XXX months. Client acknowledged. Comp Factors : XXX mo reserves, XXX LTV, XXX DSCR (rate term refi) |  |  | Lender exception provided for XXX months rental experience supported by the following compensating factors: XXX mo reserves, XXX LTV, XXX DSCR (rate term refi). Exception downgraded to a level 2/B. | 03/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.65% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.65% is less than Guideline LTV of 75% A |
| 2106684 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.65% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.65% is less than Guideline LTV of 75% A |
| 2106685 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/07/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrows and appraisal requirements met. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Compliant | 10/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2106685 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/07/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2106685 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/07/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2106778 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | XXX | Property | HOA Does Not Meet Guidelines | HOA Does Not Meet Guidelines DU requires Lender Full Review process with XXX Project XXX. XXX in file reflects CPM Project ID, but unable to locate CPM to confirm date of review or approval status. Please provide. | Client provided the attached. | 10/21/2025 | HOA Meets Guidelines. Received copy of the association report which is deemed sufficient.; Document Uploaded. | 03/02/2026 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| 2106778 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | XXX | Credit | Missing VVOE dated within 10 days consummation | B1 VVOE was requested XX/XX/XXXX; however, the information provided is current as of XX/XX/XXXX, greater than XXX business days from closing. | Document Uploaded. B1 VVOE is within the required time frame of XXX days of the XXX. This information could have been no older than XX/XX/XXXX. Applicable section of the guidelines has also been included. | 10/21/2025 | Client provided guidelines allowing Third-Party Vendor VOES: Because third-party vendor databases are typically updated monthly, the verification must evidence that the information in the vendor's database was no more than XXX days old as of the XXX. | 10/23/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| 2106778 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/12/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/17/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| 2106779 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/12/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/17/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 2106779 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 2106779 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 2108393 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. FNMA CU Score XX/XX/XXXX < XXX allowed |  |  | Third party valuation product provided within tolerance.; Third party valuation product provided within tolerance.; Document Uploaded. ; AVM provided is not within tolerance. Additional valuation product required; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third party valuation product not provided within tolerance. | 03/02/2026 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 2108393 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/12/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/17/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 2108393 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 2106780 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/12/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106780 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106780 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106686 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. UCDP score not provided and Collateral R&W is not eligible. |  |  | Third party valuation product provided within tolerance.; TPV provided; finding resolved | 03/02/2026 | Qualifying Reserves Greater than the Guideline Minimum - Calculated Reserves of XXX months is greater than Guideline minimum Reserves of XXX months Qualifying DSCR is greater than max allowed. - Calculated DSCR of XXX is greater than Guideline DSCR minimum of XXX B A |
| 2106686 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title Coverage noted as XXX Subject loan amount XXX | Document Uploaded. see ftp | 10/16/2025 | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien XXX | 12/09/2025 | Qualifying Reserves Greater than the Guideline Minimum - Calculated Reserves of XXX months is greater than Guideline minimum Reserves of XXX months Qualifying DSCR is greater than max allowed. - Calculated DSCR of XXX is greater than Guideline DSCR minimum of XXX B A |
| 2106686 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/20/2025 | Resolved | XXX | Credit | Property Title Issue | Property Title Issue schedule B Part I #XXX of Final Title reflects an open/unpaid judgement dated XX/XX/XXXX in the amount of $XXX. Please provide a corrected final Title Policy confirming that lien has been satisfied/released to ensure the subject mortgage is in 1st lien position. | Document Uploaded. see final title policy. thank you!@ | 12/08/2025 | Property Title Issue Resolved; Final Title policy provided reflecting no open/unpaid judgments. | 12/09/2025 | Qualifying Reserves Greater than the Guideline Minimum - Calculated Reserves of XXX months is greater than Guideline minimum Reserves of XXX months Qualifying DSCR is greater than max allowed. - Calculated DSCR of XXX is greater than Guideline DSCR minimum of XXX B A |
| 2106686 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Acknowledged | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Property is title in business. Client acknowledged - XXX% XXX of the business, Quit Claim to be executed at closing. Compensating Factors : DSCR XXX ltd cash out. |  |  | Client acknowledged - XXX% XXX of the business, Quit Claim to be executed at closing. Compensating Factors : DSCR XXX ltd cash out. | 10/15/2025 | Qualifying Reserves Greater than the Guideline Minimum - Calculated Reserves of XXX months is greater than Guideline minimum Reserves of XXX months Qualifying DSCR is greater than max allowed. - Calculated DSCR of XXX is greater than Guideline DSCR minimum of XXX B A |
| 2106686 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Acknowledged | XXX | Credit | Borrower 1 Credit Report is Expired | Borrower 1 Credit Report is Expired (Greater than XXX days from the Closing Date). Credit expired after CDC - client acknowledged. Compensating Factors : no significant changes to liabilities, have LOW for XXX small coll accounts, XXX mos reserves above req, DSCR XXX vs.XXX. |  |  | Lender exception: Compensating Factors : no significant changes to liabilities, have LOW for XXX small coll accounts, XXX mos reserves above req, DSCR XXX vs.XXX. | 10/15/2025 | Qualifying Reserves Greater than the Guideline Minimum - Calculated Reserves of XXX months is greater than Guideline minimum Reserves of XXX months Qualifying DSCR is greater than max allowed. - Calculated DSCR of XXX is greater than Guideline DSCR minimum of XXX B A |
| 2106686 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/07/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 10/15/2025 | Qualifying Reserves Greater than the Guideline Minimum - Calculated Reserves of XXX months is greater than Guideline minimum Reserves of XXX months Qualifying DSCR is greater than max allowed. - Calculated DSCR of XXX is greater than Guideline DSCR minimum of XXX B A |
| 2106781 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/12/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/17/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 2106781 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 2106781 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 2106782 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/22/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2106782 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/22/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2106689 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106689 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106690 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/07/2025 | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The Appraisal fee increased by XXX on the XXX final CD without a valid COC. | Document Uploaded. cure docs uploaded | 10/21/2025 | Cure package provided to borrower within XXX days of discovery; Exception resolved | 10/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2106690 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/07/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML requirements met. |  |  | Compliant | 10/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2106690 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/08/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2106690 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/08/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2106691 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. outside of scope of review |  |  | Third party valuation product provided within tolerance. | 03/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106691 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2108395 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. LCA Risk is assessed at XXX indicating a XXX of overvaluation. |  |  | Third party valuation product provided within tolerance.; ; Third party valuation provided and within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. BPO provided; not within value. Additional documentation is required. ; Document Uploaded. | 03/02/2026 | C A |
| 2108395 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/21/2025 | C A |
| 2106784 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/21/2025 | Acknowledged | XXX | Credit | Borrower 1 Paystubs Missing | Paystub requirement not met. Lender provided exception with: Letter and email from HR. |  |  | Lender exception to permit alternative documentation, letter and email from HR. Exception downgraded to a level 2/B. | 03/03/2026 | Alternative documentation provided D B C |
| 2106784 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Appraisal receipt in file indicates delivery to consumer on XX/XX/XXXX |  |  | Third party valuation product provided within tolerance. | 10/29/2025 | Alternative documentation provided D B C |
| 2106785 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/23/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 2106785 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/23/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/23/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 2106788 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Acknowledged | XXX | Property | XXX Approval Missing | XXX Approval Missing. Lender exception provided for missing approval on XXX unit XXX complex but only one comp factor provided. |  |  | Lender exception for property type provided supported by compensating factor of good reserves. Exception downgraded to a level 2/B. | 03/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| 2106788 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/17/2025 | Acknowledged | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. XXX unit XXX complex is permitted. Client acknowledged - good reserves |  |  | Lender exception for property type provided supported by compensating factor of good reserves. Exception downgraded to a level 2/B. | 03/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| 2106788 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | 03/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| 2106788 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Acknowledged | XXX | Credit | HO6 Master Insurance Policy is Missing | Missing HO-6 Master Insurance Policy | Document Uploaded. see exception please clear.; Document Uploaded. This is a free standing detached XXX - an H06 policy is N/A further, the Hazard Policy is FULL COVERAGE. Please clear. | 10/22/2025 | Lender exception approval dated XX/XX/XXXX provided - XXX unit XXX complex no review. Compensating Factors - good reserves; XXXX area of V; Per Appraisal, XXX is an attached XXX unit. Per Loan Approval - Submitted exception request to mgmt to apply XXX waiver as subject is a confirmed XXX Unit XXX. Note: Exception request is required in order to waive XXX review per XXX Matrix for Non-QM mortgage connect product XXX waivers not permitted regardless if XXX is detached or XX/XX/XXXX unit. If Exception request is NOT granted XXX review requirements will apply. Please provide lender exception approval with full comments and compensating factors. | 10/23/2025 | 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% B A |
| 2106698 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/15/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2106698 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/15/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2106789 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2106789 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/19/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2106701 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | XXX | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). Loan amount is XXX and the dwelling limit is XXX with extended dwelling coverage limit up to XXX% for additional XXX for total coverage of $XXX. | Document Uploaded. The Policy clearly States Extended Dwelling Coverage XXX%..... XXX X XXX% = $XXX.... XXX PLUS XXX = XXX Please Clear. ; Document Uploaded. please see XXX HOI Insurance Calculator | 10/15/2025 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount. Re-reviewed the request. Per the HOI Policy there is extended coverage which is included in the calculation. Per the guidelines, coverage must be XXX% of the insurable value per the appraisal. Reviewed appraisal to calculate and confirmed the extended coverage covers the requirements. Cleared/resolved.; ; The extended dwelling coverage does not constitute replacement cost. Please provide the Replacement Cost Estimate document to confirm the replacement cost value of $XXX.; Please provide the Replacement Cost Estimate document to confirm the replacement cost value of XXX | 10/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106701 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | XXX | Credit | Asset 1 Expired | Asset 1 Expired. | Document Uploaded. See rebuttal - this is not required. Please clear. | 10/15/2025 | Asset 1 Not Expired | 10/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106701 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106701 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 10/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106703 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Per guidelines only personal assets are considered for ATR, file contains business assets |  |  | Asset Qualification Meets Guideline Requirements; XXX in assets verified | 10/15/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106703 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | XXX | Credit | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. Guidelines require XXX months reserves | Per XXX XXX dated XX/XX/XXXX, the ending balance was XXX – exceeds the Stated amount of ($XXX | 10/14/2025 | The required number of months reserves are to be seasoned does meet Guideline requirement. | 10/15/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106703 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $XXX. | Per XXX XXX Statement dated XX/XX/XXXX - the ending balance was XXX – exceeds the Stated amount of XXX | 10/14/2025 | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. | 10/15/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106703 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s) | Per XXX XXX dated XX/XX/XXXX, the ending balance was XXX – exceeds the Stated amount of ($XXX | 10/14/2025 | Audited Reserves of XX/XX/XXXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | 10/15/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106703 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Provide taxes and insurance for XXX XXX, Final 1003 shows a total amount of XXX | Document Uploaded. Please refer to the attestation uploaded for clarification. I have also attached the first payment letter that was referenced along with the CD for further support. ; Document Uploaded. See uploaded rebuttal... emailed XXX as well. ; Per XXX mortgage Statement – the XXX payment contains escrows of taxes and insurance | 10/15/2025 | Resolved per attestation and explanation provided; exception resolved.; Per the Final 1003 the XXX is in addition to the mortgage payment of $XXX. Please provide evidence of what the XXX amount is for. | 10/15/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106703 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106703 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 10/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106794 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/17/2025 | Acknowledged | XXX | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | FEMA disaster ended date not given. Client acknowledged - Property had damage from recent hurricane. Per appraiser damage repair has been completed except for kitchen counter and appliances in kitchen that are currently in garage to be installed. |  |  | Lender exception for minor cosmetic items with low cost to cure. Exception downgraded to a level 2/B. | 03/03/2026 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 2106794 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. It is in the file |  |  | Third party valuation product provided within tolerance.; ; AVM provided, however, FSD score was above XXX and not eligible to clear TPV requirement. Please provide an additional secondary validation product. | 03/03/2026 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 2106794 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/17/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 2106795 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/23/2025 | Acknowledged | XXX | Credit | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Audited Loan Amount of XXX is greater than the Guideline Maximum Loan Amount of XXX Client acknowledged the XXX loan amount. Compensating Factors - LTV, Reserves, Employment Stability |  |  | Lender exception provided for loan amount supported by the following compensating factors: LTV, Reserves, Employment Stability. Exception downgraded to a level 2/B. | 03/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2106795 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2106795 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/23/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2106804 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 10/21/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.01% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.01% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2106804 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/21/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.01% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.01% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2106804 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/21/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.01% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.01% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2106805 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106805 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106806 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | XXX | Credit | Property Title Issue | Property Title Issue Per Lender's guidelines subject property must be XXX months seasoned and title only reflects XXX months to support refinance of an Investment property. | Document Uploaded. Note: Paid off a first lien mortgage - please see guidelines uploaded. | 10/24/2025 | Property Title Issue Resolved | 10/27/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.68% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.68% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2106806 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.68% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.68% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2106806 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/23/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.68% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.68% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2106715 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/09/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2106715 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/09/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2106715 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/10/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrows and met appraisal requirements, therefore, downgraded to grade A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Compliant | 10/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2106811 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106811 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106812 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/23/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 2106812 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/23/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/23/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 2106717 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Transmittal Summary does not reflect the correct PITI. The PITI for the primary residence is incorrect per the documentation provided. | Document Uploaded. I'm getting $XXX... total other debt. That includes their primary... Please advise. | 10/14/2025 | Approval/Underwriting Summary is fully present | 10/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 2106717 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 2106814 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/17/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106814 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/17/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106816 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/22/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106816 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/22/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106721 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/10/2025 | Acknowledged | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). The document in file indicates that the borrower either received or chose to waive the right to receive the appraisal at least XXX days prior to consummation but does not confirm the borrower received the appraisal at or prior to consummation if they chose to waive the XXX days right to receive the appraisal. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely |  |  | Acknowledged as 2/B grading per client request.; Acknowledged as 2/B grading per client request. | 10/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2106721 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/16/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2106721 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/16/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2106819 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | A |
| 2106819 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | A |
| 2106723 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Acknowledged | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Client acknowledged : Multi acct Statements used as Assets as ATR having some numbered pages, some non numbered where pages may be missing for accts not used or standard verbiage pages. Accts used for qualifying appear to be complete with no large deposits. Compensating Factors : Low LTV. ATR methid XXX met |  |  | Lender exception: Compensating Factors : Low LTV. ATR method XXX met | 10/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 2106723 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 2106723 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 2106724 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | XXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Provide verification that XXX loan on XXX property is current. Credit report reflects a date of last activity of XX/XX/XXXX. | If the XXX is XXX/XXX, and the credit report is dated XX/XX/XXXX with last rated on the 2nd lien as XXX/XXX... they have met the requirements. We would not require a supplement to rate thru closing if the credit report was valid at closing and the account is rated on said report. Please clear. | 10/14/2025 | Agree with lender's response.; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | 10/15/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.07% is less than Guideline CLTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50.07% is less than Guideline LTV of 70% D A |
| 2106724 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 10/13/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.07% is less than Guideline CLTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50.07% is less than Guideline LTV of 70% D A |
| 2106724 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/13/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.07% is less than Guideline CLTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50.07% is less than Guideline LTV of 70% D A |
| 2108389 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/10/2025 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to addition of XXX Appraisal Re-Inspection Fee on the initial CD dated XX/XX/XXXX without a valid COC. Please provide a valid COC or cure package. | Document Uploaded. | 10/23/2025 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 10/24/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2108389 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/09/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2108389 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/13/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106733 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/17/2025 | Resolved | XXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. UW is refinancing REO XXX with XXX loan #XXX. Lender to provide final HUD and all PITIA documents to verify new payment and that XXX #XXX was paid off and closed. | Document Uploaded. See upload - CD showing XXX paid, terms of new loan and page XXX of appraisal to confirm no HOA. | 10/21/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | 10/23/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2106733 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2106733 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2106734 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106734 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106737 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106737 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106741 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 10/15/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 36.24% is less than Guideline LTV of 65% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.24% is less than Guideline CLTV of 65% A |
| 2106741 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/15/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 36.24% is less than Guideline LTV of 65% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.24% is less than Guideline CLTV of 65% A |
| 2106741 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/15/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 36.24% is less than Guideline LTV of 65% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.24% is less than Guideline CLTV of 65% A |
| 2106742 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Acknowledged | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing evidence of XXX XXX F&C, insurance docs for REOs, property history for XXX and missing insurance for XXX. Lender exception provided with compensating factors: assets over XXX million, owned F&C |  |  | Lender exception provided with compensating factors: assets over XXX million, owned F&C | 10/15/2025 | Qualifying Reserves Greater than the Guideline Minimum - Calculated Reserves of XXX months is greater than Guideline minimum Reserves of XXX months D B A |
| 2106742 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/15/2025 | Qualifying Reserves Greater than the Guideline Minimum - Calculated Reserves of XXX months is greater than Guideline minimum Reserves of XXX months D B A |
| 2106826 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/16/2025 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. FNMA CU score not provided for XX/XX/XXXX Family appraisal |  |  | Third party valuation product provided within tolerance. | 10/29/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106826 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/16/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2108390 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2108390 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2108390 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106828 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Acknowledged | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Proposed Amount of Insurance: XXX lender to provide updated title policy. |  |  | Acknowledged as 2/B grading per client request. | 10/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2106828 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2106754 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Acknowledged | XXX | Property | External Obsolescence Present | External obsolescence present. The subject is located within Flood Zone XX and is considered to be an external obsolescence. See attached addendum for additional comments. The subject's deck is noted as an encroachment being attached to the neighbors deck External obsolescence present in file cost to cure less than XXX Cosmetic: paint peeling on rear deck and railing and steps |  |  | Acknowledged as 2/B grading per client request | 10/23/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% All other monthly pmt include rental loss and debt on credit report. Difference of $XXX. Unable to determine the difference. Lender XXX has a lower amt for all other mo pmts \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
| 2106754 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/23/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/23/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% All other monthly pmt include rental loss and debt on credit report. Difference of $XXX. Unable to determine the difference. Lender XXX has a lower amt for all other mo pmts \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
| 2106757 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2106757 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2120489 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/23/2025 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 12/29/2025 | Evidence of eConsent is provided. | 12/29/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.18% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.18% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2120490 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/11/2025 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation Required - Provide documentation confirming borrower's consent to esigned documents prior to signing initial disclosures that were issued on XX/XX/XXXX. | Document Uploaded. | 12/17/2025 | Evidence of eConsent is provided. The eSigned documents consent is missing.; Received e-consent | 12/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.37% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.37% is less than Guideline LTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2120490 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/12/2025 | Resolved | XXX | Compliance | Homeownership Counseling Disclosure Is Partially Provided | Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is XX/XX/XXXX and Occupancy is Primary Residence) The HOC disclosure provided lists XXX of the required XXX list of local housing XXXs. | Document Uploaded. ; Document Uploaded. | 12/18/2025 | Homeownership Counseling Disclosure Is Present or XXX (Date Creditor Received Application is XX/XX/XXXX and Occupancy is Primary Residence); Received Homeownership counseling notice dated XX/XX/XXXX; Documentation provided is not sufficient as it is dated XX/XX/XXXX. Please provide homeownership counseling notice showing XXX agencies within XXX days of application XX/XX/XXXX. ; ; Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is XX/XX/XXXX and Occupancy is Primary Residence); Received Homeownership Counseling Disclosure | 12/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.37% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.37% is less than Guideline LTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2120490 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/10/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 12/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.37% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.37% is less than Guideline LTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2120490 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/10/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 12/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.37% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.37% is less than Guideline LTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2120490 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/11/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant - Escrowed and appraisal delivered within XXX business days of closing |  |  | HPML compliant | 12/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.37% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.37% is less than Guideline LTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2129306 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/27/2025 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception - Confirmation that borrower was provided appraisal within XXX business days of consummation. | Document Uploaded. | 12/30/2025 | Evidence of appraisal delivery provided. | 12/31/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2129306 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/29/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 12/29/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2129306 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/29/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 12/29/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2116908 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/15/2025 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Provide evidence the appraisal was delivered to the borrower a minimum of XXX business days prior to consummation. The appraisal acknowledgment disclosure did not specify if the borrower waived the XXX days or received the report a minimum of XXX days prior to consummation. Provide confirmation when the report was received to determine timing requirements were met. | Document Uploaded. | 10/21/2025 | Evidence of appraisal delivery provided. | 10/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2116908 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/14/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 10/15/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2116908 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/14/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 10/15/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2120488 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/16/2025 | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within XXX days of XXX XX/XX/XXXX or provide confirmation the lender has no affiliates. | Document Uploaded. | 12/22/2025 | Required Affiliated Business Disclosure Documentation Provided | 12/23/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.76% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 38.76% is less than Guideline LTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2120488 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/17/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 12/17/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.76% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 38.76% is less than Guideline LTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2120487 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/03/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  |  | HPML Compliant | 12/08/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2120487 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/08/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML Compliant; Cleared | 12/08/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2120487 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/08/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML Compliant; Cleared | 12/08/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2120486 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/04/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Cleared | 12/07/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 74.29% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.29% is less than Guideline CLTV of 85% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2120486 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/04/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Cleared | 12/07/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 74.29% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.29% is less than Guideline CLTV of 85% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2120486 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/03/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant - Escrowed and appraisal delivered within XXX business days of closing |  |  | Cleared; HPML compliant | 12/07/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 74.29% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.29% is less than Guideline CLTV of 85% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |

---

## Exhibit 99.05

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.05 - Schedule 3**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 2106665 | XXXXX |  | $XXXXXX A B |
| 2108391 | XXXXX |  | $XXXXXX A C |
| 2098437 | XXXXX |  | $XXXXXX A C B |
| 2106669 | XXXXX |  | $XXXXXX A |
| 2106670 | XXXXX |  | $XXXXXX A C |
| 2106673 | XXXXX |  | $XXXXXX C A B |
| 2106766 | XXXXX |  | $XXXXXX A C |
| 2106676 | XXXXX |  | $XXXXXX A C |
| 2106767 | XXXXX |  | $XXXXXX A |
| 2106768 | XXXXX |  | $XXXXXX A |
| 2106677 | XXXXX |  | $XXXXXX A |
| 2106678 | XXXXX |  | $XXXXXX A |
| 2106769 | XXXXX |  | $XXXXXX A C B |
| 2108392 | XXXXX |  | $XXXXXX A C |
| 2106680 | XXXXX |  | $XXXXXX A |
| 2108388 | XXXXX |  | $XXXXXX A C |
| 2106770 | XXXXX |  | $XXXXXX A |
| 2106771 | XXXXX |  | $XXXXXX D A |
| 2106772 | XXXXX |  | $XXXXXX A |
| 2106774 | XXXXX |  | $XXXXXX A |
| 2106682 | XXXXX |  | $XXXXXX A |
| 2106775 | XXXXX |  | $XXXXXX A |
| 2106683 | XXXXX |  | $XXXXXX A C |
| 2106684 | XXXXX |  | $XXXXXX C A B |
| 2106685 | XXXXX |  | $XXXXXX A |
| 2106778 | XXXXX |  | $XXXXXX D A C |
| 2106779 | XXXXX |  | $XXXXXX A |
| 2108393 | XXXXX |  | $XXXXXX A C |
| 2106780 | XXXXX |  | $XXXXXX A |
| 2106686 | XXXXX |  | $XXXXXX C A B |
| 2106781 | XXXXX |  | $XXXXXX A |
| 2106782 | XXXXX |  | $XXXXXX A |
| 2106689 | XXXXX |  | $XXXXXX A |
| 2106690 | XXXXX |  | $XXXXXX A C B |
| 2106691 | XXXXX |  | $XXXXXX A C |
| 2108395 | XXXXX |  | $XXXXXX A C |
| 2106784 | XXXXX |  | $XXXXXX D A C B |
| 2106785 | XXXXX |  | $XXXXXX A |
| 2106788 | XXXXX |  | $XXXXXX D A C B |
| 2106698 | XXXXX |  | $XXXXXX A |
| 2106789 | XXXXX |  | $XXXXXX A |
| 2106701 | XXXXX |  | $XXXXXX C A |
| 2106703 | XXXXX |  | $XXXXXX D A |
| 2106794 | XXXXX |  | $XXXXXX A C B |
| 2106795 | XXXXX |  | $XXXXXX C A B |
| 2106804 | XXXXX |  | $XXXXXX A |
| 2106805 | XXXXX |  | $XXXXXX A |
| 2106806 | XXXXX |  | $XXXXXX C A |
| 2106715 | XXXXX |  | $XXXXXX A |
| 2106811 | XXXXX |  | $XXXXXX A |
| 2106812 | XXXXX |  | $XXXXXX A |
| 2106717 | XXXXX |  | $XXXXXX B A |
| 2106814 | XXXXX |  | $XXXXXX A |
| 2106816 | XXXXX |  | $XXXXXX A |
| 2106721 | XXXXX |  | $XXXXXX A B |
| 2106819 | XXXXX |  | $XXXXXX A |
| 2106723 | XXXXX |  | $XXXXXX C A B |
| 2106724 | XXXXX |  | $XXXXXX D A |
| 2108389 | XXXXX |  | $XXXXXX A C |
| 2106733 | XXXXX |  | $XXXXXX D A |
| 2106734 | XXXXX |  | $XXXXXX A |
| 2106737 | XXXXX |  | $XXXXXX A |
| 2106741 | XXXXX |  | $XXXXXX A |
| 2106742 | XXXXX |  | $XXXXXX D A B |
| 2106826 | XXXXX |  | $XXXXXX A C |
| 2108390 | XXXXX |  | $XXXXXX A |
| 2106828 | XXXXX |  | $XXXXXX B A |
| 2106754 | XXXXX |  | $XXXXXX A B |
| 2106757 | XXXXX |  | $XXXXXX A |
| 2120489 | XXXXX |  | $XXXXXX A B |
| 2120490 | XXXXX |  | $XXXXXX A B |
| 2129306 | XXXXX |  | $XXXXXX A B |
| 2116908 | XXXXX |  | $XXXXXX A B |
| 2120488 | XXXXX |  | $XXXXXX A B |
| 2120487 | XXXXX |  | $XXXXXX A |
| 2120486 | XXXXX |  | $XXXXXX A |

---

## Exhibit 99.05

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.05 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 2106665 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2108391 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 72.46 | 72.46 |  |  |  |  | $XXX | $XXX | .0135 | XXX |  |  |  |  |  | $XXX | $XXX | .3536 | 81.0 | 0.19 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0135 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2098437 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 2106669 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 2106670 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 73.08 | 73.08 |  |  |  |  | $XXX | $XXX | .4674 | XXX |  |  |  |  |  | $XXX | $XXX | -.1639 | 84.0 | 0.16 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .4674 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2106673 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106766 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | -.0093 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0093 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2106676 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | .1518 | XXX |  |  |  |  |  | $XXX | $XXX | .1518 | 90.0 | 0.1 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2106767 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106768 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106677 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106678 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106769 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | -.0087 | XXX |  |  |  |  |  | $XXX | $XXX | -.0087 | 90.0 | 0.1 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2108392 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | -.3108 | XXX |  |  |  |  |  | $XXX | $XXX | .0055 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.3108 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 2106680 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2108388 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | -.4542 | XXX |  |  |  |  |  | $XXX | $XXX | .0240 | 99.0 | 0.01 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.4542 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 2106770 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 78.29 | 78.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2106771 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106772 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 2106774 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106682 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106775 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.1 |  |
| 2106683 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | -.0223 | XXX |  |  |  |  |  | $XXX | $XXX | -.0223 | 94.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2106684 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 58.65 | 58.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 2106685 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 2106778 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 2106779 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 2108393 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0038 | XXX |  |  |  |  |  | $XXX | $XXX | .0038 | 98.0 | 0.02 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 2106780 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| 2106686 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | .3499 | XXX |  |  |  |  |  | $XXX | $XXX | .3499 | 94.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2106781 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 2106782 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2106689 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106690 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2106691 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 65.36 | 65.36 |  |  |  |  | $XXX | $XXX | .0140 | XXX |  |  |  |  |  | $XXX | $XXX | .0140 | 90.0 | 0.1 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2108395 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | -.1867 | XXX |  |  |  |  |  | $XXX | $XXX | .0271 | 94.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.1867 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |  |
| 2106784 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | -.0161 | XXX |  |  |  |  |  | $XXX | $XXX | -.0161 | 91.0 | 0.09 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 2106785 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106788 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | -.0169 | XXX |  |  |  |  |  | $XXX | $XXX | -.0169 | 91.0 | 0.09 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 999 |  |
| 2106698 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 2106789 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106701 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106703 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 2106794 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | XXX |  |  |  |  |  | $XXX | $XXX | -.2720 | 83.0 | 0.17 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 2106795 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 71.59 | 71.59 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 2106804 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 64.01 | 64.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106805 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106806 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 56.68 | 56.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 2106715 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106811 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 2106812 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106717 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106814 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2106816 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 2106721 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 2106819 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106723 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 64.93 | 64.93 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106724 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 50.07 | 50.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 2108389 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.6 |  |
| 2106733 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| 2106734 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2106737 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 2106741 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 36.24 | 36.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| 2106742 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 2106826 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | -.0117 | XXX |  |  |  |  |  | $XXX | $XXX | -.0117 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2108390 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 2106828 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2106754 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 2106757 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2120489 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 59.18 | 59.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 2120490 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 57.37 | 57.37 | $XXX | $XXX | -.0220 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0220 | 94.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 2129306 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 2116908 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 | $XXX | $XXX | -.0446 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0446 | 92.0 | 0.08 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 2120488 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 38.76 | 38.76 | $XXX | $XXX | -.1372 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.1372 | 87.0 | 0.13 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 2120487 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.76 | 75.76 | $XXX | $XXX | -.0928 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0928 | 89.0 | 0.11 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 2120486 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 74.29 | 74.29 | $XXX | $XXX | -.0036 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0036 | 89.0 | 0.11 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |

---

## Exhibit 99.05

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.05 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan Number** | **Seller Loan ID** | **ULI** | **Settlement Date** | **QM Type** | **Guideline Name** | **UW Guideline Author** | **UW Guideline Version Date** | **UW Guideline Matrix Name** | **UW Guideline Matrix Date** | **QM Regulation Failures** | **Bedroom Count** | **Approval Status** | **Correspondent Name** | **Pool** | **Application Date** | **Note Date** | **Maturity Date** | **Loan Status** | **Loan Type** | **Product Type** | **TRID** | **ARM Hybrid Period** | **Number of Borrowers** | **Borrower 1 First Name** | **Borrower 1 Middle Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Middle Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Middle Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Middle Name** | **Borrower 4 Last Name** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower 1 Job** | **Job Yrs Borrower 1** | **Borrower 2 Job** | **Job Yrs Borrower 2** | **Borrower 3 Job** | **Job Yrs Borrower 3** | **Borrower 4 Job** | **Job Yrs Borrower 4** | **Borrower 1 Occupation** | **Borrower 1 Years In Field** | **Borrower 2 Occupation** | **Borrower 2 Years In Field** | **Borrower 3 Occupation** | **Borrower 3 Years In Field** | **Borrower 4 Occupation** | **Borrower 4 Years In Field** | **Borrower 3 Income Verification Level** | **Borrower 4 Income Verification Level** | **Borrower 3 Employment Verification Level** | **Borrower 4 Employment Verification level** | **Borrower 1 First Time Buyer** | **Borrower 2 First Time Buyer** | **Borrower 3 First Time Buyer** | **Borrower 4 First Time Buyer** | **Representative Decision FICO Score** | **Borrower 3 Original FICO Equifax** | **Borrower 3 Original FICO Experian** | **Borrower 3 Original FICO Transunion** | **Borrower 4 Original FICO Equifax** | **Borrower 4 Original FICO Experian** | **Borrower 4 Original FICO Transunion** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrower 3 Citizenship** | **Borrower 4 Citizenship** | **Documentation Type** | **Delayed Financing Flag** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Business & Personal Bank Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Months of Profit and Loss Statements** | **CPA Letter Flag** | **Expense letter Flag** | **Number of Months CPA Verified Income** | **WVOE Flag** | **Number of Months WVOE** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **1- year Tax Return Flag** | **Years of Tax Transcripts** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Front HTI Ratio** | **Back DTI Ratio** | **Borrower 3 Asset Verification Level** | **Borrower 4 Asset Verification Level** | **Liquid Assets** | **Total Assets** | **Reserves** | **Property Street Address** | **City** | **State** | **County** | **Zip** | **MI Company Name** | **Mortgage Insurance** | **MI Coverage Amount** | **MI Certificate Number** | **Flood Insurance Provided** | **Flood Policy Amount** | **Flood Expiration Date** | **Name of Flood Insurer** | **Flood Policy Number** | **Monthly Flood Payment** | **Flood Coverage Amount** | **Flood Policy Active** | **Flood Coverage Adeq** | **Flood Map Panel** | **Flood Mapped Date** | **Flood Certificate Number** | **Flood Certificate Date** | **Flood Vendor Name** | **Flood Zone** | **Flood Community** | **Flood Contract Type** | **Flood Program Type** | **Hazard Policy Amount** | **Hazard Expiration Date** | **Hazard Insurer Name** | **Hazard Policy Number** | **Hazard Coverage Amount** | **Hazard Coverage Active** | **Hazard Coverage Adeq** | **Times 30 Days DQ on Prior Mortgage** | **Times 60 Days DQ on Prior Mortgage** | **Times 90 Days DQ on Prior Mortgage** | **Prior Bankruptcy Flag** | **Bankruptcy Filing Date** | **Prior Bankruptcy Chapter** | **Prior bankruptcy Discharge Date** | **Ever In Foreclosure** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Origination Lender** | **Late Charge Type** | **Late Charges Percent** | **APR** | **Temporary Buydown Flag** | **T4506 Income Supported** | **Total Subject Housing Fully Indexed** | **Qualifying Fully Indexed P&I** | **Total Subject Housing** | **Original P&I** | **PITI** | **T&I** | **HOA** | **Primary Housing Payment** | **Second Mortgage Payment** | **Months Reserves** | **Other Liens Payment** | **Silent Second Lien Flag** | **Second Lien Amount** | **Lease in Place 1007/Lease in file** | **Market Rents** | **Subject Rental Income** | **DSCR Rental Income** | **Approved DSCR** | **Investment/No Ratio DSCR** | **LLC Flag** | **LLC Name** | **Short Term Rental** | **Declining Market** | **Guarantor** | **Units** | **Borrower SSN** | **Co Borrower SSN** | **Tax Payment** | **Residual Income** | **Times 30 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 60 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 90 Days DQ on 12 Prior Months of Current Mortgage History** | **Condo Project Classification** | **Default Note Rate Provision** | **MERS Number** |
| 2106665 | XXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 106 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 29.47 | 34.28 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2108391 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | FNMA | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  | XXX |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 2 | 3 | 22.91 | 39.57 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2098437 | XXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | XXXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 29.41 | 47.17 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106669 | XXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | XXXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 41.59 | 46.23 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106670 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | XXXX | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | $XXX | XXX | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106673 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106766 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | XXXX FNMA | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 0 | 0 | 0 | 3 | 10.48 | 30.28 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106676 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106767 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | XXXX FNMA | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 0 | 0 | 0 | 3 | 9.06 | 27.48 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106768 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | XXXX FNMA | No |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  | XXX |  |  | No | No | 0 | Yes | 26 | 2 | 0 | No | 0 | 0 | 1 | 3 | 24.10 | 36.03 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106677 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | XXXX | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106678 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | XXXX | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106769 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FHLMC | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 0 | 0 | 0 | 3 | 0.00 | 4.01 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2108392 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | XXXX FNMA | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 1 | 1 | 2 | 3 | 10.23 | 36.80 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | $XXX | XXX | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106680 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| 2108388 | XXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 1 | No | 0 | 0 | 0 | 3 | 32.19 | 44.90 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106770 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FHLMC | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | Yes | No | 86 | No |  | 2 | 0 | No | 1 | 1 | 2 | 3 | 9.42 | 44.49 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106771 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FNMA | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 1 | 1 | 0 | 3 | 16.82 | 43.43 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106772 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FNMA | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX | XXX |  | XXXXX | XXX |  | XXXXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 1 | No | 0 | 0 | 0 | 3 | 22.70 | 38.79 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106774 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FNMA | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | 0 | No |  | 0 | 2 | No | 0 | 0 | 2 | 3 | 9.49 | 32.76 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106682 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106775 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | XXXX FNMA | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 9.49 | 40.93 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | $XXX | XXX | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106683 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106684 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106685 | XXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | 24 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 64 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 35.95 | 43.66 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106778 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FNMA | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 244 | 0 | 0 | No | 0 | 0 | 0 | 3 | 17.41 | 38.07 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| 2106779 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FNMA | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 15.28 | 30.23 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2108393 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | XXXX FNMA | No |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  | XXX |  |  | No | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 2 | 3 | 10.27 | 34.31 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106780 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | XXXX FNMA | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 0 | 0 | 0 | 3 | 21.63 | 36.70 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106686 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | XXXX | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106781 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | XXXX FNMA | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 111 | 2 | 0 | No | 0 | 0 | 0 | 3 | 20.33 | 42.11 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 4.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106782 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FNMA | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 3 | 20.90 | 41.59 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106689 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106690 | XXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 396 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 7.85 | 12.43 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106691 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2108395 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | XXXX FHLMC | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 3 | 11.25 | 35.64 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106784 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FNMA | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 1 | No | 0 | 0 | 0 | 3 | 30.61 | 37.80 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106785 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FHLMC | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 1 | No | 0 | 0 | 0 | 3 | 19.86 | 43.62 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106788 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FNMA | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 22 | 2 | 0 | No | 0 | 0 | 0 | 3 | 9.43 | 19.76 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| 2106698 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | 24 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 178 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | 6.15 | 30.71 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | $XXX | XXX | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106789 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FNMA | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 1.98 | 23.92 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106701 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX | XXX |  |  | Yes | No | 240 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 4.97 | 26.67 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106703 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX | XXX |  |  | Yes | Yes | 236 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 4.97 | 26.68 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106794 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FNMA | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 1 | No | 0 | 0 | 0 | 3 | 19.81 | 43.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | $XXX | XXX | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106795 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | XXXX FNMA | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 1 | 1 | 0 | 3 | 7.55 | 32.49 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106804 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FNMA | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 2 | 2 | 3.83 | 44.84 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106805 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FHLMC | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 0 | 0 | 0 | 3 | 32.71 | 44.61 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106806 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | XXXX FHLMC | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | Yes | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 2 | 3 | 22.38 | 34.72 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | $XXX | XXX | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106715 | XXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 133 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 30.51 | 42.57 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106811 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | XXXX FNMA | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 303 | 2 | 2 | No | 0 | 0 | 0 | 3 | 15.37 | 40.94 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | $XXX | XXX | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106812 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | XXXX FNMA | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 1 | 1 | 1 | 3 | 17.50 | 28.39 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106717 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106814 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FHLMC | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 25 | 2 | 0 | No | 0 | 0 | 0 | 3 | 24.88 | 43.27 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106816 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FNMA | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 119 | 2 | 0 | No | 0 | 0 | 0 | 3 | 19.43 | 42.77 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106721 | XXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 284 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 37.84 | 42.38 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106819 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | XXXX FNMA | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 12 | 1 | 2 | No | 0 | 0 | 2 | 3 | 14.10 | 33.28 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106723 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Utilization (No DTI) | No | Yes | Yes | 6 | Personal | 100.00 |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106724 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | XXXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX | XXX |  |  | Yes | Yes | 48 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 15.90 | 39.87 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| 2108389 | XXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | XXXX | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 120 | No |  | 0 | 0 | No | 0 | 0 | 0 | 1 | 3.70 | 7.53 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106733 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | XXXX | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | 24 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 84 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 4.19 | 22.98 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106734 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106737 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106741 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | XXXX | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 225 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 3.34 | 24.08 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106742 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | XXXX | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106826 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FNMA | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | Yes | No | 40 | No |  | 0 | 0 | No | 0 | 0 | 1 | 3 | 18.73 | 43.96 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2108390 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106828 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FNMA | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 1 | No | 0 | 0 | 0 | 3 | 16.09 | 44.86 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106754 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | 24 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 203 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 6.34 | 32.06 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | $XXX | XXX | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106757 | XXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2120489 | XXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 36.86 | 38.52 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2120490 | XXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 26.42 | 26.42 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2129306 | XXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | 18.46 | 26.94 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2116908 | XXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 15.49 | 27.41 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Max Amount |  | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2120488 | XXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 50 | 0 | 0 | No | 2 | 2 | 0 | 2 | 41.22 | 42.30 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2120487 | XXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 76 | 0 | 0 | No | 0 | 0 | 0 | 3 | 29.34 | 29.70 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2120486 | XXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 72 | 0 | 0 | No | 2 | 2 | 0 | 3 | 17.61 | 17.61 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |

---

## Exhibit 99.06

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.06**

![](ex9906001.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, Ellington Management Group, LLC ("Client"). The review included a total of 665 originated residential mortgage loan, in connection with the securitization identified as EFMT 2026-NQM4 (the "Securitization"). The review began on September 2, 2025 and concluded on March 10, 2026.

**Scope of Review**

**DUE DILIGENCE REVIEWS – DSCR Loans:**

&nbsp;&nbsp;&nbsp;&nbsp;**A.** **CREDIT REVIEW** **.** 

"Credit Review" means that Digital Risk performed a re-underwriting review of Loans to verify compliance with the applicable Client Guidelines in effect at the time of Loan origination and ensure the characteristics used by the underwriter were supported by the file documentation; and that any Loans outside of those Client Guidelines contain legitimate and approved exceptions with compensating factors. The "Credit Review" included the following:

1. <u>Review Initial & Final Application</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Check
 application for completeness. Determine whether the information in the preliminary Loan
 application, final application, and all credit documents is consistent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate
 Social Security/Taxpayer Identification number is valid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Compare
 data on final form 1003 with the data from verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form
 is Complete,
 Signed, Dated, on or before loan consummation date,

2. <u>Review Approval Conditions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Underwriting
 decision is supported (manual underwrite credit conditions
 have been satisfied prior to closing the approved Loan package)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validation
 of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validation
 of DSCR or qualification method and LTV calculations

3. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Occupancy
 is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Occupancy
 Red Flags adequately addressed

4. <u>Verification of Borrower Original and Audit Credit Report</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate
 names, social security number(s), and addresses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. AKA's
 investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Acceptable
 credit history and credit score requirements in conformance with Goldman's guidelines.

5. <u>Order and Reviews Risk IQ Report (if requested)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates
 Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies
 address information associated with the Borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms
 OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Identifies
 bankruptcy filings with the Borrower(s) name.

6. <u>Verification of Borrower Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. lease
 agreement or market survey for rental income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Validate
 borrowers monthly gross income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Validate
 DSCR Calculation of rent per lease or comparable rent schedule from appraisal divided
 by the subject total PITIA payment – DSCR If Lease and comparable rent payments
 differ Digital Risk will refer to the client guidelines for further guidance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 adequate funds to cover required down payment and closing costs and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check
 dates for document expiration

7. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete
 and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest
 Money Deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties
 are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller
 contributions are within guidelines

8. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify
 sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify
 coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate
 all premiums are included in DSCR and any required upfront premium is paid

9. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting
 correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien
 position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal
 description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate
 no encumbrances

10. <u>Review Closing Documents</u>.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 security documents to ensure the Loan was closed in accordance with approval and with
 all required signatures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct
 and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Review
 Settlement Statement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Right
 to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;**B.** **Valuation Review** 

1. <u>Review Appraisal</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Digital
 Risk'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. Digital
 Risk's review included verifying the appraisal report:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. On
 the appropriate appraisal form:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. All
 elements of appraisal are present

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Ensure
 all applicable Loan documents match appraisal information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Property
 is acceptable collateral for Loan program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Completed
 by an appraiser that was actively licensed to perform the valuation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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, or if the appraisal was
 performed for another lender, the file contains evidence that Client approved use of
 that appraisal

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. The
 original appraisal report is made and signed prior to the final approval of the closing
 of the loan. Any revisions, if made known to Digital Risk, to the original report are
 documented and dated completed and dated within the guideline's restrictions,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The
 original appraisal is 'As is' or Inspection received including all inspections,
 licenses, and certificates (including certificates of occupancy) to be made or issued
 with respect to all occupied portions of the mortgaged property and with respect to the
 use and occupancy of the same, have been made or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Determine
 whether the appraised value is supported at or within 10% variance based on a third-party
 valuation product. If a third-party valuation product is in file, but notes a variance
 above 10% or an inconclusive value, Digital Risk will review third-party products in
 the file to ensure the correct value was applied per Client Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. With
 regard to the use of comparable properties, Digital Risk's review will (a) review
 the relative comparable data (gross and net adjustments, sale dates and distance from
 subject property) and ensure that such comparable properties are within standard appraisal
 guidelines; (b) confirm the property value and square footage of the subject property
 was bracketed by comparable properties, (c) verify that comparable properties used are
 similar in size, style, and location to the subject, and (d) check for the reasonableness
 of adjustments when reconciling value between the subject property and comparable properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Other
 aspects of Digital Risk's review include (i) verifying that the address matched
 the mortgage note, (ii) if requested, noting whether the property zip code was declared
 a FEMA disaster area after the valuation date and notifying the Client of same, (iii)
 confirming the appraisal report does not include any apparent environmental problems,
 (iv) confirming the appraisal notes the current use of the property is legal or legal
 non-conforming (grandfathered), (v) reviewing pictures to ensure (a) that the property
 is in average or better condition and any repairs are noted where required and (b) that
 the subject property is the one for which the valuation was ordered and that if there
 are negative external factors, there is support in the loan file of the Client's
 approval to waive the factor; and (vi) confirming that the value product that was used
 as part of the origination decision conforms with rating agency requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If
 more than one valuation was provided, Digital Risk will confirm consistency among the
 valuation products and if there are discrepancies that could not be resolved, Digital
 Risk will create an exception and work with the client on the next steps which may include
 ordering of additional valuation products such as collateral desktop analyses, broker's
 price opinions, and full appraisals. If the property valuation products included in Digital
 Risk's review result in a variance of more than 10% then the Client will be notified
 of such variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Digital
 Risk will confirm to the extent possible, that the appraiser and the appraisal made by
 such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, Digital
 Risk will review the appraisal for conformity to industry standards, including ensuring
 the appraisal was complete, that the comparable properties and adjustments were documented
 and that pictures were provided and were accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. In
 addition, Digital Risk will access the ASC database to verify that the appraiser, and
 if applicable the appraiser's supervisor, were licensed and in good standing at
 the time the appraisal was completed.

&nbsp;&nbsp;&nbsp;&nbsp;**C.** **Compliance Review** 

"Compliance Review" means that Digital Risk reviewed each Loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the Loan complied with the applicable Federal, State, and local regulatory requirements as noted below, each as amended, restated and/or replaced from time to time.

1. Federal
 Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R.
 Part 1026, as set forth below (for applicable Owner Occupied Properties):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Failure
 to provide the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. failure
 to provide the right of rescission notice in a timely manner and to the correct consumer(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. errors
 in the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. failure
 to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. failure
 to provide the three (3) business day rescission period; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. any
 material disclosure violation on a rescindable loan that gives rise to the right of rescission
 under TILA, which means the required disclosures of the annual percentage rate, the finance
 charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures;

2. <u>TILA</u> (for applicable Owner Occupied Properties)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Higher-priced Mortgage Loan (§1026.35):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. APR
 threshold test; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance
 with the escrow account and appraisal requirements.

3. Business
 Purpose Loan Compliance Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Non-Owner
 Occupied Declaration Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify
 reflects correct address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify
 application address is different from subject property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Verify
 executed by all borrowers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Review
 Note accuracy and properly executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Review
 Mortgage and applicable riders for accuracy and properly executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Occupancy
 Letter (must state that borrower(s) will not reside in the property for more than 14
 days on any calendar year, and be acknowledged by the consumer).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. HMDA
 section (Information for Government Monitoring Purposes) of the application (initial
 and/or final)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. If
 property is in a flood zone, Flood Notice must be provided prior to closing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Right
 to Receive Copy of Appraisal or Appraisal Waiver Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Letter
 of Explanation detailing the use of proceeds.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Borrower's
 statement of purpose for the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. State
 License requirements when applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. State
 Predatory lending and high cost when applicable

4. <u>Exclusions</u>.
 Digital Risk reviews do not test for:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Technical
 formatting of disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Other
 Post-consummation disclosures, including Escrow Closing Notice; and Mortgage servicing
 transfer and partial payment notices.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For
 Loans made by an FDIC-supervised institution or servicer, extended or renewed on or after
 January 1, 2016, whether prohibited fees were collected prior to the initial LE being
 issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Whether
 any fee is a "bona fide" fee for third-party services

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Whether
 the loans comply with all federal, state or local laws, constitutional provisions, regulations
 or ordinances that are not expressly enumerated above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>QM/ATR Credit Review – (If applicable)</u> 

Loans with application dates after January 10, 2014 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z – the Truth in Lending Act. For these Loans, Digital Risk will (a) confirm that the originator/aggregator provided a QM designation, and (b) review the Loan for the eight (8) key underwriting factors described in sub-sections (a) – (h) below that are required pursuant to the ATR rule (an "<u>ATR Review</u>").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. 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, excluding investment
 properties, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c)) as evaluated
 based on the applicable investor guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Refinancing
 of non-standard mortgages (12 C.F.R. 1026.43(d));

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Qualified
 Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined
 by the Department of Housing and Urban Development (24

C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R.

Part 36 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Balloon-payment
 qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Digital
 Risk will review applicable mortgage loans for compliance with the ATR and QM rule requirements
 based upon each mortgage loan's originator designation of QM, Non- QM, or exempt
 from ATR. Digital Risk determines the mortgage loan's status under the ATR or QM
 rule requirements and assigns a due diligence mortgage loan designation. Generally, Digital
 Risk notes as a material exception if the due diligence findings do not confirm the originator's
 mortgage loan designation. Additionally, Digital Risk notes if an originator mortgage
 loan designation was not provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Digital
 Risk utilizes the following designations for applicable loans: QM designations: QM Safe-Harbor,
 Temporary QM, Non-QM, QM Rebuttal Presumption and ATR Designations: ATR Compliant, ATR
 Exempt and ATR Fail.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. With
 respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, Digital Risk
 reviews the mortgage loan to determine whether, based on available information in the
 mortgage loan file: (i) the mortgage loan contains risky mortgage loan features and terms
 (e.g. an interest only feature or negative amortization), (ii) the "points and
 fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated
 appropriately, (iv) the creditor considered and verified income or assets at or before
 consummation, (v) the creditor appropriately considered debt obligations, alimony and
 child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeds
 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review
 includes a recalculation of all income and liabilities with attention to the appropriate
 documentation of each source.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. If
 a mortgage loan was designated as QM, Digital Risk reviews the mortgage loan to determine
 whether, based on available information in the mortgage loan file, if the mortgage loan
 satisfied (i), (ii) and (iii) in the preceding paragraph.

For each QM designated mortgage loan that satisfied the applicable requirements enumerated above, Digital Risk then determines whether the mortgage loan is a Safe Harbor QM or QM Rebuttable Presumption by comparing the mortgage loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage. The Review also includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. For
 each QM designated mortgage loan that does not satisfy the applicable requirements enumerated
 above, Digital Risk then determines whether the mortgage loan complies with the ATR rule
 consideration and verification requirements, as defined within the applicable underwriting
 guidelines, and provides a due diligence designation of Non-QM indicating compliant,
 ATR risk indicating it may not be compliant, or ATR Fail, indicating it is non- compliant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Digital
 Risk reviews the mortgage loan to determine whether, based on available information in
 the mortgage loan file, the creditor considered, as applicable, the following eight underwriting
 factors, and will verify such information using reasonably reliable third- party records,
 at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income
 / Assets - Recalculate borrower(s)'s monthly gross income, and validate funds required
 to close and required reserves, to Confirm that the borrower has current or reasonably
 expected income or assets (other than the value of the property that secures the Loan)
 that the borrower will rely on to repay the Loan.

&nbsp;&nbsp;&nbsp;&nbsp;● Review Loan documentation for required level of income and asset verifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment
 - Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly
 Mortgage Payment: Confirm that the correct program, qualifying rate, and terms were used
 to calculate projected monthly mortgage payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous
 Loans - Ensure that all concurrent Loans were included in the debt- to-income ratio ("DTI")
 calculation, to properly assess the ability to repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage-Related
 Obligations - Validate that the subject Loan monthly payment calculation includes principle,
 interest, taxes, and insurance ("PITI"), as well as other costs related to
 the property such as homeowners' association ("HOA") fees, private
 mortgage insurance ("PMI"), ground rental fees, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts
 / Obligations - Validate monthly recurring non-mortgage-related liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI
 / Residual Income - Validate debt-to-income ratio (DTI), or "residual income,"
 based upon all mortgage and non-mortgage obligations, calculated as a ratio of gross
 monthly income, based on documentation provided in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit
 History - Review credit report for credit history and required credit depth, including
 any / all inquiries, and Determine a representative credit score from the credit report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>General QM for any loans originated under the GQM Rule – (If applicable)</u> 

Pricing Thresholds:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Pricing
 for First Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25%
 for a first-lien covered transaction with a loan amount greater than or equal to $110,260;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 3.5%
 for a first-lien covered transaction with a loan amount greater than or equal to $66,156
 but less than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 6.5%
 for a first-lien covered transaction with a loan amount less than $66,156.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Pricing
 for Subordinate Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3.5%
 for a subordinate-lien covered transaction with a loan amount greater than or equal to
 $66,156; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5%
 for a subordinate-lien covered transaction with a loan amount less than $66,156.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Pricing
 for Manufactured Homes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25%
 for a first-lien covered transaction secured by a manufactured home1 with a loan amount
 equal to or greater than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5%
 for a covered transaction secured by a manufactured home with a loan amount less than
 $110,260.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Consider
 Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Consumer's
 current or reasonably expected income or assets (other than the value of the dwelling
 that secures the loan;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The
 consumer's debt obligations, alimony, child support; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The
 monthly DTI or residual income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verification
 of Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verification
 in compliance with one of the "safe harbor" guidelines will meet the QM verification
 requirement. A creditor is allowed to "mix and match" provisions of the different
 guidelines rather than only apply one guideline per loan.

The specific guidelines that the CFPB is designating for the safe harbor are: The GQM Rule provides that if the creditor verifies the consumer's income or assets, debt obligations, alimony, child support, and monthly DTI or residual income by meeting the standards of certain specified third-party underwriting manuals, then a creditor is presumed to have complied with the **verification** requirement. These specified manuals are:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Chapters
 B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published June 3, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Sections
 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer Guide, published June
 10, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sections
 II.A.1 and II.A.4-5 of the Federal Housing Administration's Single Family Housing
 Policy Handbook, issued October 24, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Chapter
 4 of the U.S. Department of Veterans Affairs' Lenders Handbook, revised February
 22, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Chapter
 4 of the U.S. Department of Agriculture's Field Office Handbook for the Direct
 Single Family Housing Program, revised March 15, 2019; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Chapters
 9 through 11 of the U.S. Department of Agriculture's Handbook for the Single Family
 Guaranteed Loan Program, revised March 19, 2020.

**DUE DILIGENCE REVIEWS – Bank Statement Loans:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**A.** **CREDIT REVIEW.** 

"Credit Review" means that Digital Risk performed a re-underwriting review of Loans to verify compliance with the applicable Client Guidelines in effect at the time of Loan origination and ensure the characteristics used by the underwriter were supported by the file documentation; and that any Loans outside of those Client Guidelines contain legitimate and approved exceptions with compensating factors. The "Credit Review" included the following:

The "Credit Review" included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Review Initial & Final Application</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Check
 application for completeness. Determine whether the information in the preliminary Loan
 application, final application, and all credit documents is consistent or reconciled.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate
 Social Security/Taxpayer Identification number is valid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Compare
 data on final form 1003 with the data from verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form
 is Complete, Signed, Dated, on or before loan consummation date, and NMLS is complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Review AUS Decision and Approval Conditions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Accept/Eligible
 decision

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. AUS
data integrity

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Underwriting
 decision is supported (AUS or manual underwrite credit conditions have been satisfied
 prior to closing the approved Loan package)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation
 of income calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Validation
 of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Validation
 of DTI calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Validation
 of LTV calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Reconcile
 AUS mismatches

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Validation
 of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. Validation
 of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Occupancy
 is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Red
 Flags adequately addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Reverification of Borrower Original and Audit Credit Report (if needed)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate
 names, social security number(s), and addresses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. AKA's
 investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate
 credit inquiries within 90 days have been properly addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Acceptable
 credit history and credit score 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;e. The
 Reverifications within this section are intended to meet the Client Guidelines, Additional
 Guidelines or Agency Guidelines for post-closing quality control reverifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Order and Reviews Risk IQ Report to compare vs loan documentation (if requested)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates
 Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies
 address information associated with the Borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms
 OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Reveals
 any potential bankruptcy filings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Verification of Borrower Employment, Income, and Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare
 for conflicting information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check
 dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Complete
 forms and documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Evaluate
 history and stability of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 employment and income by analyzing income documents and comparing against re-verification
 documents

---

| | |
|:---|:---|
| ii. | W-2s and Paystubs |
| iii. | Transcripts (as applicable) support income |
| iv. | Tax Returns and Profit and Loss Statements, as applicable |
| v. | Bank Statements or other Alternate Income documents as required by the Client |
|  | Guidelines or Additional Guidelines |
| vi. | Consistent/Continuing Employment |
| vii. | The Reverifications within this section are intended to meet the Agency Guidelines |
|  | for post- closing quality control reverifications. (If needed) |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Assets

---

| | |
|:---|:---|
| i. | Confirm adequate funds to cover required down payment and closing costs and |
|  | reserves |
| ii. | Check dates for document expiration |
| iii. | Sufficient funds were sourced and seasoned |
| iv. | Gift funds verified and met Client Guidelines or Additional Guidelines |
| v. | The Reverifications within this section are intended to meet the Client or Agency |
|  | Guidelines for post- closing quality control reverifications. |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete
 and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest
 Money Deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties
 are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller
 contributions are within Client Guidelines or Additional Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify
 sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify
 coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate
 all premiums are included in DTI and any required upfront premium is paid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Mortgage Insurance (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Certificate
 in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Sufficient
 Coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Premium
 indicated and included in DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting
 correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien
 position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal
 description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate
 no encumbrances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13. <u>Review Closing Documents</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 security documents to ensure the Loan was closed in accordance with approval and with
 all required signatures and NMLS identifiers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct
 and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Closing
 Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Right
 to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;14. <u>QM/ATR Credit Review – (If applicable)</u> 

Loans with application dates after January 10, 2014 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z – the Truth in Lending Act. For these Loans, Digital Risk will (a) confirm that the originator/aggregator provided a QM designation, and (b) review the Loan for the eight (8) key underwriting factors described in sub-sections (a) – (h) below that are required pursuant to the ATR rule (an "<u>ATR Review</u>").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. 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, excluding investment
 properties, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c)) as evaluated
 based on the applicable investor guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Refinancing
 of non-standard mortgages (12 C.F.R. 1026.43(d));

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Qualified
 Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined
 by the Department of Housing and Urban Development (24

C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R.

Part 36 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Balloon-payment
 qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Digital
 Risk will review applicable mortgage loans for compliance with the ATR and QM rule requirements
 based upon each mortgage loan's originator designation of QM, Non- QM, or exempt
 from ATR. Digital Risk determines the mortgage loan's status under the ATR or QM
 rule requirements and assigns a due diligence mortgage loan designation. Generally, Digital
 Risk notes as a material exception if the due diligence findings do not confirm the originator's
 mortgage loan designation. Additionally, Digital Risk notes if an originator mortgage
 loan designation was not provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Digital
 Risk utilizes the following designations for applicable loans: QM designations: QM Safe-Harbor,
 Temporary QM, Non-QM, QM Rebuttal Presumption and ATR Designations: ATR Compliant, ATR
 Exempt and ATR Fail.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. With
 respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, Digital Risk
 reviews the mortgage loan to determine whether, based on available information in the
 mortgage loan file: (i) the mortgage loan contains risky mortgage loan features and terms
 (e.g. an interest only feature or negative amortization), (ii) the "points and
 fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated
 appropriately, (iv) the creditor considered and verified income or assets at or before
 consummation, (v) the creditor appropriately considered debt obligations, alimony and
 child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeds
 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review
 includes a recalculation of all income and liabilities with attention to the appropriate
 documentation of each source.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. If
 a mortgage loan was designated as QM, Digital Risk reviews the mortgage loan to determine
 whether, based on available information in the mortgage loan file, if the mortgage loan
 satisfied (i), (ii) and (iii) in the preceding paragraph.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. For
 each QM designated mortgage loan that satisfied the applicable requirements enumerated
 above, Digital Risk then determines whether the mortgage loan is a Safe Harbor QM or
 QM Rebuttable Presumption by comparing the mortgage loan's actual annual percentage
 rate, as recalculated, to the applicable average prime offer rate plus a certain applicable
 percentage. The Review also includes determining, as applicable, whether a mortgage loan
 is a qualified mortgage as defined by the Department of Housing and Urban Development
 (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part
 36 et seq.).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. For
 each QM designated mortgage loan that does not satisfy the applicable requirements enumerated
 above, Digital Risk then determines whether the mortgage loan complies with the ATR rule
 consideration and verification requirements, as defined within the applicable underwriting
 guidelines, and provides a due diligence designation of Non-QM indicating compliant,
 ATR risk indicating it may not be compliant, or ATR Fail, indicating it is non- compliant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Digital
 Risk reviews the mortgage loan to determine whether, based on available information in
 the mortgage loan file, the creditor considered, as applicable, the following eight underwriting
 factors, and will verify such information using reasonably reliable third- party records,
 at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income
 / Assets - Recalculate borrower(s)'s monthly gross income, and validate funds required
 to close and required reserves, to Confirm that the borrower has current or reasonably
 expected income or assets (other than the value of the property that secures the Loan)
 that the borrower will rely on to repay the Loan.

&nbsp;&nbsp;&nbsp;&nbsp;● Review Loan documentation for required level of income and asset verifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment
 - Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly
 Mortgage Payment: Confirm that the correct program, qualifying rate, and terms were used
 to calculate projected monthly mortgage payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous
 Loans - Ensure that all concurrent Loans were included in the debt- to-income ratio ("DTI")
 calculation, to properly assess the ability to repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage-Related
 Obligations - Validate that the subject Loan monthly payment calculation includes principle,
 interest, taxes, and insurance ("PITI"), as well as other costs related to
 the property such as homeowners' association ("HOA") fees, private
 mortgage insurance ("PMI"), ground rental fees, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts
 / Obligations - Validate monthly recurring non-mortgage-related liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI
 / Residual Income - Validate debt-to-income ratio (DTI), or "residual income,"
 based upon all mortgage and non-mortgage obligations, calculated as a ratio of gross
 monthly income, based on documentation provided in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit
 History - Review credit report for credit history and required credit depth, including
 any / all inquiries, and Determine a representative credit score from the credit report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;15. <u>General QM for any loans originated under the GQM Rule – (If applicable)</u> 

Pricing Thresholds:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Pricing
 for First Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25%
 for a first-lien covered transaction with a loan amount greater than or equal to $110,260;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 3.5%
 for a first-lien covered transaction with a loan amount greater than or equal to $66,156
 but less than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 6.5%
 for a first-lien covered transaction with a loan amount less than $66,156.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Pricing
 for Subordinate Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3.5%
 for a subordinate-lien covered transaction with a loan amount greater than or equal to
 $66,156; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5%
 for a subordinate-lien covered transaction with a loan amount less than $66,156.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Pricing
 for Manufactured Homes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25%
 for a first-lien covered transaction secured by a manufactured home1 with a loan amount
 equal to or greater than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5%
 for a covered transaction secured by a manufactured home with a loan amount less than
 $110,260.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Consider
 Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Consumer's
 current or reasonably expected income or assets (other than the value of the dwelling
 that secures the loan;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The
 consumer's debt obligations, alimony, child support; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The
 monthly DTI or residual income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Verification
 of Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verification
 in compliance with one of the "safe harbor" guidelines will meet the QM verification
 requirement. A creditor is allowed to "mix and match" provisions of the different
 guidelines rather than only apply one guideline per loan.

The specific guidelines that the CFPB is designating for the safe harbor are: The GQM Rule provides that if the creditor verifies the consumer's income or assets, debt obligations, alimony, child support, and monthly DTI or residual income by meeting the standards of certain specified third-party underwriting manuals, then a creditor is presumed to have complied with the **verification** requirement. These specified manuals are:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Chapters
 B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published June 3, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Sections
 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer Guide, published June
 10, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. Sections
 II.A.1 and II.A.4-5 of the Federal Housing Administration's Single Family Housing
 Policy Handbook, issued October 24, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Chapter
 4 of the U.S. Department of Veterans Affairs' Lenders Handbook, revised February
 22, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. Chapter
 4 of the U.S. Department of Agriculture's Field Office Handbook for the Direct
 Single Family Housing Program, revised March 15, 2019; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;16. Chapters
 9 through 11 of the U.S. Department of Agriculture's Handbook for the Single Family
 Guaranteed Loan Program, revised March 19, 2020.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**B.** **Valuation Review** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Digital
 Risk'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. Digital
 Risk's review included verifying the appraisal 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;b. On
 the 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;i. All
 elements of appraisal are present

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Ensure
 all applicable Loan documents match appraisal information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Property
 is acceptable collateral for Loan program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Completed
 by an appraiser that was actively licensed to perform the valuation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Completed
 such that the named client on the appraisal report is the lender or a related entity
 that is permitted to engage the lender per Title XI of FIRREA, or if the appraisal was
 performed for another lender, the file contains a transfer letter from the original lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. The
 original appraisal report is made and signed prior to the final approval of the mortgage
 loan application; Any revisions, if made known to Digital Risk, to the original report
 are documented and dated completed and dated within the guideline's restrictions,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The
 original appraisal is 'As is' or Inspection received including all inspections,
 licenses, and certificates (including certificates of occupancy) to be made or issued
 with respect to all occupied portions of the mortgaged property and with respect to the
 use and occupancy of the same, have been made or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Determine
 whether the appraised value is supported at or within 10% variance based on a third-party
 valuation product. If a third-party valuation product is in file, but notes a variance
 above 10% or an inconclusive value, Digital Risk will recommend a BPO or field review
 be ordered.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. With
 regard to the use of comparable properties, Digital Risk's review will (a) review
 the relative comparable data (gross and net adjustments, sale dates and distance from
 subject property) and ensure that such comparable properties are within standard appraisal
 guidelines; (b) confirm the property value and square footage of the subject property
 was bracketed by comparable properties, (c) verify that comparable properties used are
 similar in size, style, and location to the subject, and (d) check for the reasonableness
 of adjustments when reconciling value between the subject property and comparable properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Other
 aspects of Digital Risk's review include (a) verifying that the address matched
 the mortgage note, (b) if requested, noting whether the property zip code was declared
 a FEMA disaster area after the valuation date and notifying the Client of same, (c) confirming
 the appraisal report does not include any apparent environmental problems, (d) confirming
 the appraisal notes the current use of the property is legal or legal non-conforming
 (grandfathered), (e) reviewing pictures to ensure (1) that the property is in average
 or better condition and any repairs are noted where required and (2) that the subject
 property is the one for which the valuation was ordered and that there are no negative
 external factors; and (f) confirming that the value product that was used as part of
 the origination decision conforms with rating agency 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;c. If
 more than one valuation was provided, Digital Risk will confirm consistency among the
 valuation products and if there are discrepancies that could not be resolved, Digital
 Risk will create an exception and work with the client on the next steps which may include
 ordering of additional valuation products such as collateral desktop analyses, broker's
 price opinions, and full appraisals. If the property valuation products included in Digital
 Risk's review result in a variance of more than 10% then the client will be notified
 of such variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Digital
 Risk will confirm to the extent possible, that the appraiser and the appraisal made by
 such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, Digital
 Risk will review the appraisal for conformity to industry standards, including ensuring
 the appraisal was complete, that the comparable properties and adjustments were reasonable
 and that pictures were provided and were accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. In
 addition, Digital Risk will access the ASC database to verify that the appraiser, and
 if applicable the appraiser's supervisor, were licensed and in good standing at
 the time the appraisal was completed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**C.** **COMPLIANCE REVIEW.** 

"Compliance Review" means that Digital Risk reviewed each Loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the Loan complied with the applicable Federal, State, and local regulatory requirements as noted below, each as amended, restated and/or replaced from time to time.

The below Compliance Review is applicable to Loans originated on or after October 3, 2015, which are subject to the TILA/RESPA Integrated Disclosure Rule ("<u>TRID</u>").

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, Digital Risk 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. Digital Risk 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 Digital Risk 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Loan Estimates ("LEs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 the Initial LE and confirm (i) the correct form was used; (ii) all sections of the Initial
 LE are completed; and (iii) the Initial LE accurately reflects the information provided
 to Digital Risk

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If
 there is a Revised LE, confirm (i) that there is a "valid reason" for the
 Revised LE; 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;(ii) that the Revised LE was issued within three (3) days of the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Determine
 which LE in the file is the "final binding" LE for the purpose of Tolerance
 Testing. A Revised LE that is issued after the CD, or that does not state a valid reason
 will not be used for the purposes of Tolerance Testing. All revised LEs issued to the
 consumer will be reviewed for accuracy of terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Confirm
 initial LE was delivered within three (3) business days from the application date, and
 at least seven (7) business days prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm
 revised LE was delivered within three (3) business days from date of the "valid
 reason" giving rise to the Revised LE, and at least four (4) business days prior
 to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm
 that certain sections of each LE determined to carry assignee liability were accurately
 completed and that information was reflected in the appropriate locations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Closing Disclosures ("CDs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 the CD review and confirm (i) the correct form was used; (ii) all sections of the CD
 are completed; and (iii) the CD accurately reflects the information provided to Digital
 Risk.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If
 a subsequent CD is issued, confirm (i) that there was a valid reason for the change;
 (ii) that the CD was issued within three (3) days of the change; and (iii) whether the
 reason for the change requires a new 3-day waiting period prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirm
 Initial CD, and any subsequent CD with material changes (i.e. changes that require a
 new waiting period), was received at least three (3) business days prior to the consummation
 date. 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Federal Truth in Lending Act</u> ("TILA"), as implemented by Regulation Z, 12 C.F.R.
 Part 1026, as set forth below:

Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Failure
 to provide the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. failure
 to provide the right of rescission notice in a timely manner and to the correct consumer(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. errors
 in the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. failure
 to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. failure
 to provide the three (3) business day rescission period; 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;f. any
 material disclosure violation on a rescindable loan that gives rise to the right of rescission
 under TILA, which means the required disclosures of the annual percentage rate, the finance
 charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Tolerance Testing</u>. Compare the fees disclosed in the final binding LE to those in the final
 CD, and confirm that final CD fees are within the permitted tolerances. Confirm the total
 of payments are considered accurate as defined by Regulation Z. Confirm Finance Charge
 tolerances are correct.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Subsequent Changes</u>. Review the file to determine (i) whether there is evidence that certain
 changes or errors (per the regulation) were discovered subsequent to closing, (ii) and
 whether the Loan originator followed the prescribed cure. Test for evidence such as a
 copy of the refund check, or a corrected, post-consummation CD (" <u>PCCD</u> "),
 and (iii) 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>TILA</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>High-cost Mortgage (§§1026.31, 32 and 33):</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;i. Points
 and fees threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. APR
 threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment
 penalty test; 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;iv. Compliance
 with the disclosure requirements, limitation on terms and prohibited acts or practices
 in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <u>Higher-priced Mortgage Loan (§1026.35):</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;i. APR
 threshold test; 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;ii. Compliance
 with the escrow account and appraisal 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;c. With
 respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan
 Originator Compensation and Steering (§1026.36):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 relevant documentation to determine if compensation to a Loan Originator was based on
 a term of the transaction;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review
 relevant document to determine if there was dual compensation; 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;iii. Review
 the presence of the mortgage loan option disclosure and to determine if the Steering
 Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;● &nbsp;&nbsp;&nbsp;&nbsp;● Note: Where available, Digital Risk reviewed the relevant documents in the mortgage loan file and, as necessary, attempted to obtain the mortgage loan originator compensation agreement and/or governing policies and procedures of the mortgage loan originator. In the absence of the mortgage loan originator compensation agreement and/or governing policies and procedures, Digital Risk's review was limited to formal general statements of entity compliance provided by the mortgage loan originator, if any. These statements, for example, were in the form of a letter signed by the seller correspondent/mortgage loan originator or representations in the mortgage loan purchase agreement between the Client and seller correspondent;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. <u>Homeownership counseling (§1026.36):</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;i. Determine
 if the creditor obtained proof of homeownership counseling in connection with a mortgage
 loan to a first-time homebuyer that contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. <u>Mandatory Arbitration Clauses (§1026.36):</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;i. Determine
 if the terms of the mortgage loan require arbitration or any other non- judicial procedure
 to resolve any controversy or settle any claims arising out of the transaction.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determine
 if the creditor financed, directly or indirectly, any premiums or fees for credit insurance
 in jurisdictions where it is prohibited.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 for presence of mortgage loan originator organization and individual mortgage loan originator
 name and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract,
 security instrument, Loan Estimate and Closing Disclosure; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify
 the data against the NMLSR database, as available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>RESPA:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 the presence of the Servicing Disclosure Statement form in the mortgage loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify
 the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business
 days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm
 the presence of the Your Home Loan Toolkit/Special Information Booklet in the mortgage
 loan file or that the mortgage loan file contains documentary evidence that the disclosure
 was provided to the borrower;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirm
 the Your Home Loan Toolkit /Special Information Booklet was provided within three (3)
 business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Confirm
 the presence of the CHARM booklet when applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Confirm
 that the CHARM booklet was issued within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Confirm
 the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file
 in the event the lender has affiliated business arrangements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Confirm
 the Affiliated Business Arrangement Disclosure was provided no later than three (3) business
 days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. Confirm
 the Affiliated Business Arrangement Disclosure is executed;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Confirm
 the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and
 proper timing;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. Confirm
 that the creditor provided the borrower a list of homeownership counselling organizations
 within three (3) business days of application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xii. Confirm
 that the list of homeownership counselling organizations was obtained no earlier than
 30 days prior to when the list was provided to the mortgage loan applicant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>ECOA</u>:
 The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002,
 as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing
 and content of the right to receive copy of appraisal disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Charging
 of a fee for a copy of the appraisal or other written valuation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Timing
 of creditor providing a copy of each appraisal or other written valuation; 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;iv. With
 respect to a borrower that has waived the three (3) business day disclosure requirement,
 confirm that (a) the borrower has signed the waiver or other acknowledgment at least
 three (3) business days prior to consummation; and (b) that the lender has provided copies
 of appraisals and other written valuations at or prior to consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Other Provisions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Texas:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas
 Constitution and associated regulations;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Fed/State/Local
 Predatory Lending:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 disclosure requirements and prohibitions of state, county and municipal laws and ordinances
 with respect to "high-cost" mortgage loans, "covered" mortgage
 loans, "higher-priced" mortgage loans, "home" mortgage loans
 or any other similarly designated mortgage loan as defined under such authorities, or
 subject to any other laws that were enacted to combat predatory lending, as may have
 been amended from time to time;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Prepay
 Penalties and Late Fees:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal
 and state specific late charge and prepayment penalty provisions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Exclusions</u>.
 Digital Risk will not test:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Loan
 types that are excluded from compliance with TRID:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Technical
 formatting of disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Other
 Post-consummation disclosures, including Escrow Closing Notice; and Mortgage servicing
 transfer and partial payment notices.

**Data Discrepancy Report**

As part of the Credit and Compliance Reviews, Digital Risk captured data from the source documents and compared it to a data tape provided by Client. Digital Risk provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by Digital Risk during the diligence process. Tape values that are blank indicate that the data was not provided on the provided data tape but Digital Risk captured it during the review. The percentages are based on a population of 665 loans. The table below reflects the discrepancies inclusive of the blank data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Amortization Term in Months | &nbsp;&nbsp;20 | &nbsp;&nbsp;3.01% |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;15 | &nbsp;&nbsp;2.26% |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;14 | &nbsp;&nbsp;2.11% |
| &nbsp;&nbsp;Debt Service Coverage Ratio | &nbsp;&nbsp;186 | &nbsp;&nbsp;27.97% |
| &nbsp;&nbsp;First Payment Due Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.60% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;11 | &nbsp;&nbsp;1.65% |
| &nbsp;&nbsp;LTV | &nbsp;&nbsp;30 | &nbsp;&nbsp;4.51% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;23 | &nbsp;&nbsp;3.46% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.15% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.15% |
| &nbsp;&nbsp;Original Qualifying FICO Score | &nbsp;&nbsp;8 | &nbsp;&nbsp;1.20% |
| &nbsp;&nbsp;Origination/Note Date | &nbsp;&nbsp;17 | &nbsp;&nbsp;2.56% |
| &nbsp;&nbsp;Originator Back-End DTI | &nbsp;&nbsp;14 | &nbsp;&nbsp;2.11% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;37 | &nbsp;&nbsp;5.46% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.15% |
| &nbsp;&nbsp;The Original Principal and Interest Payment Amount | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.15% |

---

**Summary of Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;466 | &nbsp;&nbsp;$168524326.60 | &nbsp;&nbsp;70.08% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;199 | &nbsp;&nbsp;$75196913.00 | &nbsp;&nbsp;29.92% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;665 | &nbsp;&nbsp;$243721239.60 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;<br> **Credit Results:** | &nbsp;&nbsp;<br> **Credit Results:** | &nbsp;&nbsp;<br> **Credit Results:** | &nbsp;&nbsp;<br> **Credit Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;559 | &nbsp;&nbsp;$202703822.60 | &nbsp;&nbsp;84.06% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;106 | &nbsp;&nbsp;$41017417.00 | &nbsp;&nbsp;15.94% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;665 | &nbsp;&nbsp;$243721239.60 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;<br> **Compliance Results:** | &nbsp;&nbsp;<br> **Compliance Results:** | &nbsp;&nbsp;<br> **Compliance Results:** | &nbsp;&nbsp;<br> **Compliance Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;563 | &nbsp;&nbsp;$202629298.60 | &nbsp;&nbsp;84.66% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;102 | &nbsp;&nbsp;$41091941.00 | &nbsp;&nbsp;15.34% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;665 | &nbsp;&nbsp;$243721239.60 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;661 | &nbsp;&nbsp;$242568564.60 | &nbsp;&nbsp;99.40% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;4 | &nbsp;&nbsp;$1152675.00 | &nbsp;&nbsp;0.60% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;665 | &nbsp;&nbsp;$243721239.60 | &nbsp;&nbsp;100.00% |

---

**Event Grade Definitions**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Final Loan Grade** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation Guidelines |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and substantially meets published guidelines. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Loan is missing documentation to perform a sufficient review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;**Compliance Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan complies with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan complies with all material applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan violates one material law or regulation. The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The valuation methodology complies with applicable underwriting guidelines and the value is supported within 90% of the original appraisal by the first third party valuation product. The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The valuation methodology does not meet applicable published guidelines for the program.<br> The value is not supported within 90% of the original appraisal by the first third party valuation product but a second third party valuation product is provided and does support original appraised value within 90%.<br> The value is not supported within 90% of the original appraisal by the first third party valuation product; a second third party valuation product is provided and does not support the original appraised value within 90%; a third party value reconciliation product is then provided which reconciles the appraisal, first, and second valuation products, and supports within 90% of the appraisal. When a reconciliation supports the appraisal, first and second valuation products, the lower of the appraised value, purchase price for purchases, and reconciliation value will be used to establish lending value.<br> The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The valuation methodology does not meet every applicable published guideline for the program. The value is not supported within 90% of the original appraisal by any of the third-party valuation products or the reconciliation. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.06

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.06 - Schedule 1**

EFMT 2026-NQM4 Rebuttal Findings 03.12.2026

---

| |
|:---|
| Seller: |
| Deal ID: |
| Total Loan Count: 665 |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| Loans by Grade in Population | Loans by Grade in Population | Loans by Grade in Population | Trade Summary | Trade Summary | Trade Summary |
| Loan Grade | Count | Percentage | Loan Status | Count | Percentage |
| 1 | 466 | 70.08% | Review Complete | 663 | 99.70% |
| 2 | 199 | 29.92% | In Rebuttal | 2 | 0.30% |
| ![](pie-chart.jpg) | ![](pie-chart.jpg) | ![](pie-chart.jpg) | ![](pie-chart2.jpg) | ![](pie-chart2.jpg) | ![](pie-chart2.jpg) |

---

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| |  |  |  | Finding Status | Finding Status | Finding Status | Finding Status | Final Finding Grade | Final Finding Grade | Final Finding Grade | Final Finding Grade |  |  |  |
| Initial Findings Grade | Count | Rebuttal Received | Responses Given | Open | Resolved | UpHeld | Void | 3 | 4 | 2 | 1 |  |  |  |
| 3 | 501 | 496 | 501 | 1 | 417 | 0 | 0 | 0 | 0 | 94 | 407 |  |  |  |
| 4 | 6 | 6 | 6 | 0 | 4 | 0 | 0 | 0 | 0 | 2 | 4 |  |  |  |
| 2 | 233 | 79 | 79 | 2 | 78 | 0 | 0 | 0 | 0 | 155 | 78 |  |  |  |
| 1 | 1528 | 14 | 15 | 1429 | 2 | 0 | 13 | 0 | 0 | 1 | 1527 |  |  |  |
|  |  |  |  |  |  |  |  |  | Initial Finding Grade | Initial Finding Grade | Initial Finding Grade | Final Finding Grade | Final Finding Grade | Final Finding Grade |
| Exceptions | Exceptions | Exceptions | Exceptions | Exceptions | Exceptions | Exceptions | Exceptions | Count | 3 | 4 | 2 | 3 | 4 | 2 |
| Compliance | Compliance | Compliance | Compliance | Compliance | Compliance | Compliance | Compliance | 295 | 115 | 1 | 178 | 0 | 0 | 112 |
| Note - Incomplete | Note - Incomplete | Note - Incomplete | Note - Incomplete | Note - Incomplete | Note - Incomplete | Note - Incomplete | Note - Incomplete | 98 | 18 | 0 | 80 | 0 | 0 | 9 |
| HUD1 - Not Final | HUD1 - Not Final | HUD1 - Not Final | HUD1 - Not Final | HUD1 - Not Final | HUD1 - Not Final | HUD1 - Not Final | HUD1 - Not Final | 27 | 0 | 0 | 27 | 0 | 0 | 23 |
| State Testing - Prepayment Penalty | State Testing - Prepayment Penalty | State Testing - Prepayment Penalty | State Testing - Prepayment Penalty | State Testing - Prepayment Penalty | State Testing - Prepayment Penalty | State Testing - Prepayment Penalty | State Testing - Prepayment Penalty | 24 | 0 | 0 | 24 | 0 | 0 | 24 |
| Security Instrument - Inaccurate | Security Instrument - Inaccurate | Security Instrument - Inaccurate | Security Instrument - Inaccurate | Security Instrument - Inaccurate | Security Instrument - Inaccurate | Security Instrument - Inaccurate | Security Instrument - Inaccurate | 21 | 6 | 0 | 15 | 0 | 0 | 15 |
| TRID - Zero Tolerance Violation (No Valid COC) | TRID - Zero Tolerance Violation (No Valid COC) | TRID - Zero Tolerance Violation (No Valid COC) | TRID - Zero Tolerance Violation (No Valid COC) | TRID - Zero Tolerance Violation (No Valid COC) | TRID - Zero Tolerance Violation (No Valid COC) | TRID - Zero Tolerance Violation (No Valid COC) | TRID - Zero Tolerance Violation (No Valid COC) | 16 | 16 | 0 | 0 | 0 | 0 | 8 |
| Security Instrument - Missing Rider/Addendum | Security Instrument - Missing Rider/Addendum | Security Instrument - Missing Rider/Addendum | Security Instrument - Missing Rider/Addendum | Security Instrument - Missing Rider/Addendum | Security Instrument - Missing Rider/Addendum | Security Instrument - Missing Rider/Addendum | Security Instrument - Missing Rider/Addendum | 12 | 12 | 0 | 0 | 0 | 0 | 0 |
| Security Instrument - Incomplete | Security Instrument - Incomplete | Security Instrument - Incomplete | Security Instrument - Incomplete | Security Instrument - Incomplete | Security Instrument - Incomplete | Security Instrument - Incomplete | Security Instrument - Incomplete | 10 | 9 | 0 | 1 | 0 | 0 | 1 |
| TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | 6 | 6 | 0 | 0 | 0 | 0 | 0 |
| Security Instrument - Name Discrepancy | Security Instrument - Name Discrepancy | Security Instrument - Name Discrepancy | Security Instrument - Name Discrepancy | Security Instrument - Name Discrepancy | Security Instrument - Name Discrepancy | Security Instrument - Name Discrepancy | Security Instrument - Name Discrepancy | 5 | 3 | 0 | 2 | 0 | 0 | 2 |
| QM - Points and Fees | QM - Points and Fees | QM - Points and Fees | QM - Points and Fees | QM - Points and Fees | QM - Points and Fees | QM - Points and Fees | QM - Points and Fees | 5 | 5 | 0 | 0 | 0 | 0 | 0 |
| TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | 4 | 4 | 0 | 0 | 0 | 0 | 0 |
| TRID - CD - Section B incorrect payee | TRID - CD - Section B incorrect payee | TRID - CD - Section B incorrect payee | TRID - CD - Section B incorrect payee | TRID - CD - Section B incorrect payee | TRID - CD - Section B incorrect payee | TRID - CD - Section B incorrect payee | TRID - CD - Section B incorrect payee | 4 | 0 | 0 | 4 | 0 | 0 | 4 |
| State Testing - Prohibited Fees | State Testing - Prohibited Fees | State Testing - Prohibited Fees | State Testing - Prohibited Fees | State Testing - Prohibited Fees | State Testing - Prohibited Fees | State Testing - Prohibited Fees | State Testing - Prohibited Fees | 4 | 0 | 0 | 4 | 0 | 0 | 4 |
| TRID - Zero Tolerance Violation (Disclosure Timing Fail) | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | 4 | 4 | 0 | 0 | 0 | 0 | 0 |
| TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | 4 | 4 | 0 | 0 | 0 | 0 | 0 |
| TRID - CD - Loan Information/Loan Type | TRID - CD - Loan Information/Loan Type | TRID - CD - Loan Information/Loan Type | TRID - CD - Loan Information/Loan Type | TRID - CD - Loan Information/Loan Type | TRID - CD - Loan Information/Loan Type | TRID - CD - Loan Information/Loan Type | TRID - CD - Loan Information/Loan Type | 4 | 0 | 0 | 4 | 0 | 0 | 4 |
| Note - Name Discrepancy | Note - Name Discrepancy | Note - Name Discrepancy | Note - Name Discrepancy | Note - Name Discrepancy | Note - Name Discrepancy | Note - Name Discrepancy | Note - Name Discrepancy | 3 | 2 | 0 | 1 | 0 | 0 | 1 |
| QM - Rebuttable Presumption | QM - Rebuttable Presumption | QM - Rebuttable Presumption | QM - Rebuttable Presumption | QM - Rebuttable Presumption | QM - Rebuttable Presumption | QM - Rebuttable Presumption | QM - Rebuttable Presumption | 3 | 0 | 0 | 2 | 0 | 0 | 1 |
| TRID - Zero Tolerance Violation (Revised Disclosure Late) | TRID - Zero Tolerance Violation (Revised Disclosure Late) | TRID - Zero Tolerance Violation (Revised Disclosure Late) | TRID - Zero Tolerance Violation (Revised Disclosure Late) | TRID - Zero Tolerance Violation (Revised Disclosure Late) | TRID - Zero Tolerance Violation (Revised Disclosure Late) | TRID - Zero Tolerance Violation (Revised Disclosure Late) | TRID - Zero Tolerance Violation (Revised Disclosure Late) | 3 | 3 | 0 | 0 | 0 | 0 | 1 |
| Federal - HPML APR/Non-Compliant | Federal - HPML APR/Non-Compliant | Federal - HPML APR/Non-Compliant | Federal - HPML APR/Non-Compliant | Federal - HPML APR/Non-Compliant | Federal - HPML APR/Non-Compliant | Federal - HPML APR/Non-Compliant | Federal - HPML APR/Non-Compliant | 3 | 3 | 0 | 0 | 0 | 0 | 0 |
| TRID - CD - Closing Information/Disbursement Date | TRID - CD - Closing Information/Disbursement Date | TRID - CD - Closing Information/Disbursement Date | TRID - CD - Closing Information/Disbursement Date | TRID - CD - Closing Information/Disbursement Date | TRID - CD - Closing Information/Disbursement Date | TRID - CD - Closing Information/Disbursement Date | TRID - CD - Closing Information/Disbursement Date | 3 | 0 | 0 | 3 | 0 | 0 | 3 |
| TRID - CD/Payee Not Listed | TRID - CD/Payee Not Listed | TRID - CD/Payee Not Listed | TRID - CD/Payee Not Listed | TRID - CD/Payee Not Listed | TRID - CD/Payee Not Listed | TRID - CD/Payee Not Listed | TRID - CD/Payee Not Listed | 2 | 0 | 0 | 2 | 0 | 0 | 2 |
| HOC - Missing | HOC - Missing | HOC - Missing | HOC - Missing | HOC - Missing | HOC - Missing | HOC - Missing | HOC - Missing | 2 | 0 | 0 | 2 | 0 | 0 | 2 |
| TRID - Loan Estimate/Missing | TRID - Loan Estimate/Missing | TRID - Loan Estimate/Missing | TRID - Loan Estimate/Missing | TRID - Loan Estimate/Missing | TRID - Loan Estimate/Missing | TRID - Loan Estimate/Missing | TRID - Loan Estimate/Missing | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| TRID - CD - Loan Disclosures/Escrow Account | TRID - CD - Loan Disclosures/Escrow Account | TRID - CD - Loan Disclosures/Escrow Account | TRID - CD - Loan Disclosures/Escrow Account | TRID - CD - Loan Disclosures/Escrow Account | TRID - CD - Loan Disclosures/Escrow Account | TRID - CD - Loan Disclosures/Escrow Account | TRID - CD - Loan Disclosures/Escrow Account | 2 | 0 | 0 | 2 | 0 | 0 | 2 |
| TRID - 10% Tolerance Violation (No Valid COC) | TRID - 10% Tolerance Violation (No Valid COC) | TRID - 10% Tolerance Violation (No Valid COC) | TRID - 10% Tolerance Violation (No Valid COC) | TRID - 10% Tolerance Violation (No Valid COC) | TRID - 10% Tolerance Violation (No Valid COC) | TRID - 10% Tolerance Violation (No Valid COC) | TRID - 10% Tolerance Violation (No Valid COC) | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Security Instrument - Missing | Security Instrument - Missing | Security Instrument - Missing | Security Instrument - Missing | Security Instrument - Missing | Security Instrument - Missing | Security Instrument - Missing | Security Instrument - Missing | 2 | 1 | 1 | 0 | 0 | 0 | 0 |
| TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Note - Signature Discrepancy | Note - Signature Discrepancy | Note - Signature Discrepancy | Note - Signature Discrepancy | Note - Signature Discrepancy | Note - Signature Discrepancy | Note - Signature Discrepancy | Note - Signature Discrepancy | 2 | 1 | 0 | 1 | 0 | 0 | 1 |
| TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Note - Missing Signature | Note - Missing Signature | Note - Missing Signature | Note - Missing Signature | Note - Missing Signature | Note - Missing Signature | Note - Missing Signature | Note - Missing Signature | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Security Instrument - Missing Signature | Security Instrument - Missing Signature | Security Instrument - Missing Signature | Security Instrument - Missing Signature | Security Instrument - Missing Signature | Security Instrument - Missing Signature | Security Instrument - Missing Signature | Security Instrument - Missing Signature | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| State Regulations | State Regulations | State Regulations | State Regulations | State Regulations | State Regulations | State Regulations | State Regulations | 1 | 0 | 0 | 1 | 0 | 0 | 1 |
| TRID - CD - $100 Tolerance Threshold/Non-Rescindable | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| State Disclosure - Texas Home Equity Loan Consumer Disclosure (12-Day Letter)/Missing | State Disclosure - Texas Home Equity Loan Consumer Disclosure (12-Day Letter)/Missing | State Disclosure - Texas Home Equity Loan Consumer Disclosure (12-Day Letter)/Missing | State Disclosure - Texas Home Equity Loan Consumer Disclosure (12-Day Letter)/Missing | State Disclosure - Texas Home Equity Loan Consumer Disclosure (12-Day Letter)/Missing | State Disclosure - Texas Home Equity Loan Consumer Disclosure (12-Day Letter)/Missing | State Disclosure - Texas Home Equity Loan Consumer Disclosure (12-Day Letter)/Missing | State Disclosure - Texas Home Equity Loan Consumer Disclosure (12-Day Letter)/Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| ARM Disclosure - Missing | ARM Disclosure - Missing | ARM Disclosure - Missing | ARM Disclosure - Missing | ARM Disclosure - Missing | ARM Disclosure - Missing | ARM Disclosure - Missing | ARM Disclosure - Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| TRID - CD - Loan Information/Loan ID | TRID - CD - Loan Information/Loan ID | TRID - CD - Loan Information/Loan ID | TRID - CD - Loan Information/Loan ID | TRID - CD - Loan Information/Loan ID | TRID - CD - Loan Information/Loan ID | TRID - CD - Loan Information/Loan ID | TRID - CD - Loan Information/Loan ID | 1 | 0 | 0 | 1 | 0 | 0 | 1 |
| Note - Inaccurate | Note - Inaccurate | Note - Inaccurate | Note - Inaccurate | Note - Inaccurate | Note - Inaccurate | Note - Inaccurate | Note - Inaccurate | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Security Instrument - Signature Discrepancy | Security Instrument - Signature Discrepancy | Security Instrument - Signature Discrepancy | Security Instrument - Signature Discrepancy | Security Instrument - Signature Discrepancy | Security Instrument - Signature Discrepancy | Security Instrument - Signature Discrepancy | Security Instrument - Signature Discrepancy | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Compliance Finding - Missing Business Purpose Documentation | Compliance Finding - Missing Business Purpose Documentation | Compliance Finding - Missing Business Purpose Documentation | Compliance Finding - Missing Business Purpose Documentation | Compliance Finding - Missing Business Purpose Documentation | Compliance Finding - Missing Business Purpose Documentation | Compliance Finding - Missing Business Purpose Documentation | Compliance Finding - Missing Business Purpose Documentation | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| HMDA - Government Monitoring | HMDA - Government Monitoring | HMDA - Government Monitoring | HMDA - Government Monitoring | HMDA - Government Monitoring | HMDA - Government Monitoring | HMDA - Government Monitoring | HMDA - Government Monitoring | 1 | 0 | 0 | 1 | 0 | 0 | 1 |
| State HPML | State HPML | State HPML | State HPML | State HPML | State HPML | State HPML | State HPML | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| TRID - CD - Closing Information/Closing Date | TRID - CD - Closing Information/Closing Date | TRID - CD - Closing Information/Closing Date | TRID - CD - Closing Information/Closing Date | TRID - CD - Closing Information/Closing Date | TRID - CD - Closing Information/Closing Date | TRID - CD - Closing Information/Closing Date | TRID - CD - Closing Information/Closing Date | 1 | 0 | 0 | 1 | 0 | 0 | 1 |
| Federal - HOEPA (High Cost)/Points & Fees | Federal - HOEPA (High Cost)/Points & Fees | Federal - HOEPA (High Cost)/Points & Fees | Federal - HOEPA (High Cost)/Points & Fees | Federal - HOEPA (High Cost)/Points & Fees | Federal - HOEPA (High Cost)/Points & Fees | Federal - HOEPA (High Cost)/Points & Fees | Federal - HOEPA (High Cost)/Points & Fees | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| ROR - Non-Borrower/Missing | ROR - Non-Borrower/Missing | ROR - Non-Borrower/Missing | ROR - Non-Borrower/Missing | ROR - Non-Borrower/Missing | ROR - Non-Borrower/Missing | ROR - Non-Borrower/Missing | ROR - Non-Borrower/Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Credit | Credit | Credit | Credit | Credit | Credit | Credit | Credit | 420 | 362 | 5 | 53 | 0 | 0 | 136 |
| DSCR - Program Parameters - Other | DSCR - Program Parameters - Other | DSCR - Program Parameters - Other | DSCR - Program Parameters - Other | DSCR - Program Parameters - Other | DSCR - Program Parameters - Other | DSCR - Program Parameters - Other | DSCR - Program Parameters - Other | 78 | 36 | 0 | 42 | 0 | 0 | 51 |
| Program Parameters - Other | Program Parameters - Other | Program Parameters - Other | Program Parameters - Other | Program Parameters - Other | Program Parameters - Other | Program Parameters - Other | Program Parameters - Other | 59 | 55 | 0 | 4 | 0 | 0 | 42 |
| Hazard Insurance - All Perils | Hazard Insurance - All Perils | Hazard Insurance - All Perils | Hazard Insurance - All Perils | Hazard Insurance - All Perils | Hazard Insurance - All Perils | Hazard Insurance - All Perils | Hazard Insurance - All Perils | 50 | 50 | 0 | 0 | 0 | 0 | 0 |
| Assets - Minimum Reserves | Assets - Minimum Reserves | Assets - Minimum Reserves | Assets - Minimum Reserves | Assets - Minimum Reserves | Assets - Minimum Reserves | Assets - Minimum Reserves | Assets - Minimum Reserves | 14 | 13 | 0 | 1 | 0 | 0 | 5 |
| DSCR - Missing background check | DSCR - Missing background check | DSCR - Missing background check | DSCR - Missing background check | DSCR - Missing background check | DSCR - Missing background check | DSCR - Missing background check | DSCR - Missing background check | 13 | 13 | 0 | 0 | 0 | 0 | 0 |
| DSCR - Missing HUD | DSCR - Missing HUD | DSCR - Missing HUD | DSCR - Missing HUD | DSCR - Missing HUD | DSCR - Missing HUD | DSCR - Missing HUD | DSCR - Missing HUD | 12 | 12 | 0 | 0 | 0 | 0 | 0 |
| Credit Missing - One or More Reports Missing | Credit Missing - One or More Reports Missing | Credit Missing - One or More Reports Missing | Credit Missing - One or More Reports Missing | Credit Missing - One or More Reports Missing | Credit Missing - One or More Reports Missing | Credit Missing - One or More Reports Missing | Credit Missing - One or More Reports Missing | 11 | 11 | 0 | 0 | 0 | 0 | 0 |
| DSCR - Missing Entity Documentation | DSCR - Missing Entity Documentation | DSCR - Missing Entity Documentation | DSCR - Missing Entity Documentation | DSCR - Missing Entity Documentation | DSCR - Missing Entity Documentation | DSCR - Missing Entity Documentation | DSCR - Missing Entity Documentation | 11 | 11 | 0 | 0 | 0 | 0 | 0 |
| Debts - Not Verified | Debts - Not Verified | Debts - Not Verified | Debts - Not Verified | Debts - Not Verified | Debts - Not Verified | Debts - Not Verified | Debts - Not Verified | 11 | 11 | 0 | 0 | 0 | 0 | 0 |
| Appraisal - Other | Appraisal - Other | Appraisal - Other | Appraisal - Other | Appraisal - Other | Appraisal - Other | Appraisal - Other | Appraisal - Other | 11 | 9 | 0 | 2 | 0 | 0 | 3 |
| Credit - Other | Credit - Other | Credit - Other | Credit - Other | Credit - Other | Credit - Other | Credit - Other | Credit - Other | 10 | 9 | 0 | 1 | 0 | 0 | 1 |
| Hazard Insurance - Missing/Insufficient | Hazard Insurance - Missing/Insufficient | Hazard Insurance - Missing/Insufficient | Hazard Insurance - Missing/Insufficient | Hazard Insurance - Missing/Insufficient | Hazard Insurance - Missing/Insufficient | Hazard Insurance - Missing/Insufficient | Hazard Insurance - Missing/Insufficient | 9 | 8 | 0 | 1 | 0 | 0 | 1 |
| Program Parameters - LTV | Program Parameters - LTV | Program Parameters - LTV | Program Parameters - LTV | Program Parameters - LTV | Program Parameters - LTV | Program Parameters - LTV | Program Parameters - LTV | 9 | 9 | 0 | 0 | 0 | 0 | 5 |
| Final Application - Missing | Final Application - Missing | Final Application - Missing | Final Application - Missing | Final Application - Missing | Final Application - Missing | Final Application - Missing | Final Application - Missing | 9 | 9 | 0 | 0 | 0 | 0 | 0 |
| Mortgage History - Missing/Incomplete | Mortgage History - Missing/Incomplete | Mortgage History - Missing/Incomplete | Mortgage History - Missing/Incomplete | Mortgage History - Missing/Incomplete | Mortgage History - Missing/Incomplete | Mortgage History - Missing/Incomplete | Mortgage History - Missing/Incomplete | 8 | 8 | 0 | 0 | 0 | 0 | 4 |
| Assets - Other | Assets - Other | Assets - Other | Assets - Other | Assets - Other | Assets - Other | Assets - Other | Assets - Other | 8 | 8 | 0 | 0 | 0 | 0 | 0 |
| Appraisal - Appraisal Missing | Appraisal - Appraisal Missing | Appraisal - Appraisal Missing | Appraisal - Appraisal Missing | Appraisal - Appraisal Missing | Appraisal - Appraisal Missing | Appraisal - Appraisal Missing | Appraisal - Appraisal Missing | 6 | 6 | 0 | 0 | 0 | 0 | 0 |
| Condo - Documentation | Condo - Documentation | Condo - Documentation | Condo - Documentation | Condo - Documentation | Condo - Documentation | Condo - Documentation | Condo - Documentation | 6 | 6 | 0 | 0 | 0 | 0 | 0 |
| Title Commitment - Other | Title Commitment - Other | Title Commitment - Other | Title Commitment - Other | Title Commitment - Other | Title Commitment - Other | Title Commitment - Other | Title Commitment - Other | 5 | 5 | 0 | 0 | 0 | 0 | 1 |
| Income - Other | Income - Other | Income - Other | Income - Other | Income - Other | Income - Other | Income - Other | Income - Other | 4 | 2 | 2 | 0 | 0 | 0 | 2 |
| Contract Addendum - Missing | Contract Addendum - Missing | Contract Addendum - Missing | Contract Addendum - Missing | Contract Addendum - Missing | Contract Addendum - Missing | Contract Addendum - Missing | Contract Addendum - Missing | 4 | 4 | 0 | 0 | 0 | 0 | 0 |
| Condo - Other | Condo - Other | Condo - Other | Condo - Other | Condo - Other | Condo - Other | Condo - Other | Condo - Other | 4 | 3 | 0 | 1 | 0 | 0 | 4 |
| Appraisal - Missing required 1004 D | Appraisal - Missing required 1004 D | Appraisal - Missing required 1004 D | Appraisal - Missing required 1004 D | Appraisal - Missing required 1004 D | Appraisal - Missing required 1004 D | Appraisal - Missing required 1004 D | Appraisal - Missing required 1004 D | 4 | 4 | 0 | 0 | 0 | 0 | 1 |
| Income - Rental Property/Missing Lease | Income - Rental Property/Missing Lease | Income - Rental Property/Missing Lease | Income - Rental Property/Missing Lease | Income - Rental Property/Missing Lease | Income - Rental Property/Missing Lease | Income - Rental Property/Missing Lease | Income - Rental Property/Missing Lease | 4 | 4 | 0 | 0 | 0 | 0 | 0 |
| Flood Certificate - Missing | Flood Certificate - Missing | Flood Certificate - Missing | Flood Certificate - Missing | Flood Certificate - Missing | Flood Certificate - Missing | Flood Certificate - Missing | Flood Certificate - Missing | 4 | 4 | 0 | 0 | 0 | 0 | 0 |
| Assets - Large Deposits/Unacceptable | Assets - Large Deposits/Unacceptable | Assets - Large Deposits/Unacceptable | Assets - Large Deposits/Unacceptable | Assets - Large Deposits/Unacceptable | Assets - Large Deposits/Unacceptable | Assets - Large Deposits/Unacceptable | Assets - Large Deposits/Unacceptable | 3 | 3 | 0 | 0 | 0 | 0 | 0 |
| Program Parameters - Property Type | Program Parameters - Property Type | Program Parameters - Property Type | Program Parameters - Property Type | Program Parameters - Property Type | Program Parameters - Property Type | Program Parameters - Property Type | Program Parameters - Property Type | 3 | 3 | 0 | 0 | 0 | 0 | 2 |
| Program Parameters - Financed Properties | Program Parameters - Financed Properties | Program Parameters - Financed Properties | Program Parameters - Financed Properties | Program Parameters - Financed Properties | Program Parameters - Financed Properties | Program Parameters - Financed Properties | Program Parameters - Financed Properties | 3 | 3 | 0 | 0 | 0 | 0 | 0 |
| Verification Documentation - VOR | Verification Documentation - VOR | Verification Documentation - VOR | Verification Documentation - VOR | Verification Documentation - VOR | Verification Documentation - VOR | Verification Documentation - VOR | Verification Documentation - VOR | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Sales Contract - Missing/Incomplete | Sales Contract - Missing/Incomplete | Sales Contract - Missing/Incomplete | Sales Contract - Missing/Incomplete | Sales Contract - Missing/Incomplete | Sales Contract - Missing/Incomplete | Sales Contract - Missing/Incomplete | Sales Contract - Missing/Incomplete | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| DSCR - Missing required STR Documents | DSCR - Missing required STR Documents | DSCR - Missing required STR Documents | DSCR - Missing required STR Documents | DSCR - Missing required STR Documents | DSCR - Missing required STR Documents | DSCR - Missing required STR Documents | DSCR - Missing required STR Documents | 2 | 2 | 0 | 0 | 0 | 0 | 1 |
| Ineligible Property Type - 5+ Units | Ineligible Property Type - 5+ Units | Ineligible Property Type - 5+ Units | Ineligible Property Type - 5+ Units | Ineligible Property Type - 5+ Units | Ineligible Property Type - 5+ Units | Ineligible Property Type - 5+ Units | Ineligible Property Type - 5+ Units | 2 | 2 | 0 | 0 | 0 | 0 | 2 |
| Borrower - Residency Alien Documentation | Borrower - Residency Alien Documentation | Borrower - Residency Alien Documentation | Borrower - Residency Alien Documentation | Borrower - Residency Alien Documentation | Borrower - Residency Alien Documentation | Borrower - Residency Alien Documentation | Borrower - Residency Alien Documentation | 2 | 1 | 1 | 0 | 0 | 0 | 0 |
| Assets - Bank Statements | Assets - Bank Statements | Assets - Bank Statements | Assets - Bank Statements | Assets - Bank Statements | Assets - Bank Statements | Assets - Bank Statements | Assets - Bank Statements | 2 | 1 | 1 | 0 | 0 | 0 | 1 |
| Credit Report - Aged | Credit Report - Aged | Credit Report - Aged | Credit Report - Aged | Credit Report - Aged | Credit Report - Aged | Credit Report - Aged | Credit Report - Aged | 2 | 2 | 0 | 0 | 0 | 0 | 1 |
| Income - Other/Missing | Income - Other/Missing | Income - Other/Missing | Income - Other/Missing | Income - Other/Missing | Income - Other/Missing | Income - Other/Missing | Income - Other/Missing | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Liabilities - Excluded Debts | Liabilities - Excluded Debts | Liabilities - Excluded Debts | Liabilities - Excluded Debts | Liabilities - Excluded Debts | Liabilities - Excluded Debts | Liabilities - Excluded Debts | Liabilities - Excluded Debts | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Borrower - Identification | Borrower - Identification | Borrower - Identification | Borrower - Identification | Borrower - Identification | Borrower - Identification | Borrower - Identification | Borrower - Identification | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Income - Insufficient Documentation | Income - Insufficient Documentation | Income - Insufficient Documentation | Income - Insufficient Documentation | Income - Insufficient Documentation | Income - Insufficient Documentation | Income - Insufficient Documentation | Income - Insufficient Documentation | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Income - Earnings Continuity | Income - Earnings Continuity | Income - Earnings Continuity | Income - Earnings Continuity | Income - Earnings Continuity | Income - Earnings Continuity | Income - Earnings Continuity | Income - Earnings Continuity | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Credit Report - Minimum Trade Lines | Credit Report - Minimum Trade Lines | Credit Report - Minimum Trade Lines | Credit Report - Minimum Trade Lines | Credit Report - Minimum Trade Lines | Credit Report - Minimum Trade Lines | Credit Report - Minimum Trade Lines | Credit Report - Minimum Trade Lines | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Income - Missing P&L | Income - Missing P&L | Income - Missing P&L | Income - Missing P&L | Income - Missing P&L | Income - Missing P&L | Income - Missing P&L | Income - Missing P&L | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Appraisal - Repairs | Appraisal - Repairs | Appraisal - Repairs | Appraisal - Repairs | Appraisal - Repairs | Appraisal - Repairs | Appraisal - Repairs | Appraisal - Repairs | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Income - Rental Property Income | Income - Rental Property Income | Income - Rental Property Income | Income - Rental Property Income | Income - Rental Property Income | Income - Rental Property Income | Income - Rental Property Income | Income - Rental Property Income | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Income - Employment History | Income - Employment History | Income - Employment History | Income - Employment History | Income - Employment History | Income - Employment History | Income - Employment History | Income - Employment History | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Assets - Source | Assets - Source | Assets - Source | Assets - Source | Assets - Source | Assets - Source | Assets - Source | Assets - Source | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Contract - Missing | Contract - Missing | Contract - Missing | Contract - Missing | Contract - Missing | Contract - Missing | Contract - Missing | Contract - Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Power of Attorney | Power of Attorney | Power of Attorney | Power of Attorney | Power of Attorney | Power of Attorney | Power of Attorney | Power of Attorney | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Program Parameters - Loan Amount | Program Parameters - Loan Amount | Program Parameters - Loan Amount | Program Parameters - Loan Amount | Program Parameters - Loan Amount | Program Parameters - Loan Amount | Program Parameters - Loan Amount | Program Parameters - Loan Amount | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Title Commitment - Incorrect | Title Commitment - Incorrect | Title Commitment - Incorrect | Title Commitment - Incorrect | Title Commitment - Incorrect | Title Commitment - Incorrect | Title Commitment - Incorrect | Title Commitment - Incorrect | 1 | 0 | 1 | 0 | 0 | 0 | 0 |
| Program Parameters - Loan Purpose | Program Parameters - Loan Purpose | Program Parameters - Loan Purpose | Program Parameters - Loan Purpose | Program Parameters - Loan Purpose | Program Parameters - Loan Purpose | Program Parameters - Loan Purpose | Program Parameters - Loan Purpose | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Flood Insurance - Multiproperty | Flood Insurance - Multiproperty | Flood Insurance - Multiproperty | Flood Insurance - Multiproperty | Flood Insurance - Multiproperty | Flood Insurance - Multiproperty | Flood Insurance - Multiproperty | Flood Insurance - Multiproperty | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Program Parameters - DTI | Program Parameters - DTI | Program Parameters - DTI | Program Parameters - DTI | Program Parameters - DTI | Program Parameters - DTI | Program Parameters - DTI | Program Parameters - DTI | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Income - Tax Transcripts Missing | Income - Tax Transcripts Missing | Income - Tax Transcripts Missing | Income - Tax Transcripts Missing | Income - Tax Transcripts Missing | Income - Tax Transcripts Missing | Income - Tax Transcripts Missing | Income - Tax Transcripts Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Credit Report - Alerts | Credit Report - Alerts | Credit Report - Alerts | Credit Report - Alerts | Credit Report - Alerts | Credit Report - Alerts | Credit Report - Alerts | Credit Report - Alerts | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Credit - OFAC Screening | Credit - OFAC Screening | Credit - OFAC Screening | Credit - OFAC Screening | Credit - OFAC Screening | Credit - OFAC Screening | Credit - OFAC Screening | Credit - OFAC Screening | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Program Parameters - Credit Score | Program Parameters - Credit Score | Program Parameters - Credit Score | Program Parameters - Credit Score | Program Parameters - Credit Score | Program Parameters - Credit Score | Program Parameters - Credit Score | Program Parameters - Credit Score | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Credit Report - Other | Credit Report - Other | Credit Report - Other | Credit Report - Other | Credit Report - Other | Credit Report - Other | Credit Report - Other | Credit Report - Other | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| AUS (Manual) - Missing | AUS (Manual) - Missing | AUS (Manual) - Missing | AUS (Manual) - Missing | AUS (Manual) - Missing | AUS (Manual) - Missing | AUS (Manual) - Missing | AUS (Manual) - Missing | 1 | 0 | 0 | 1 | 0 | 0 | 0 |
| Condo - Liability Insurance | Condo - Liability Insurance | Condo - Liability Insurance | Condo - Liability Insurance | Condo - Liability Insurance | Condo - Liability Insurance | Condo - Liability Insurance | Condo - Liability Insurance | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Income - Missing or Incomplete Lease Agreement | Income - Missing or Incomplete Lease Agreement | Income - Missing or Incomplete Lease Agreement | Income - Missing or Incomplete Lease Agreement | Income - Missing or Incomplete Lease Agreement | Income - Missing or Incomplete Lease Agreement | Income - Missing or Incomplete Lease Agreement | Income - Missing or Incomplete Lease Agreement | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Income - Pay Stubs | Income - Pay Stubs | Income - Pay Stubs | Income - Pay Stubs | Income - Pay Stubs | Income - Pay Stubs | Income - Pay Stubs | Income - Pay Stubs | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Title Commitment - Missing/Incomplete | Title Commitment - Missing/Incomplete | Title Commitment - Missing/Incomplete | Title Commitment - Missing/Incomplete | Title Commitment - Missing/Incomplete | Title Commitment - Missing/Incomplete | Title Commitment - Missing/Incomplete | Title Commitment - Missing/Incomplete | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Verification Documentation - VVOE Salaried/Missing | Verification Documentation - VVOE Salaried/Missing | Verification Documentation - VVOE Salaried/Missing | Verification Documentation - VVOE Salaried/Missing | Verification Documentation - VVOE Salaried/Missing | Verification Documentation - VVOE Salaried/Missing | Verification Documentation - VVOE Salaried/Missing | Verification Documentation - VVOE Salaried/Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Assets - Cash to Close | Assets - Cash to Close | Assets - Cash to Close | Assets - Cash to Close | Assets - Cash to Close | Assets - Cash to Close | Assets - Cash to Close | Assets - Cash to Close | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Condo - HOA Dues | Condo - HOA Dues | Condo - HOA Dues | Condo - HOA Dues | Condo - HOA Dues | Condo - HOA Dues | Condo - HOA Dues | Condo - HOA Dues | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Income - Miscalculated/DTI Exceeds Tolerance | Income - Miscalculated/DTI Exceeds Tolerance | Income - Miscalculated/DTI Exceeds Tolerance | Income - Miscalculated/DTI Exceeds Tolerance | Income - Miscalculated/DTI Exceeds Tolerance | Income - Miscalculated/DTI Exceeds Tolerance | Income - Miscalculated/DTI Exceeds Tolerance | Income - Miscalculated/DTI Exceeds Tolerance | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Valuation | Valuation | Valuation | Valuation | Valuation | Valuation | Valuation | Valuation | 26 | 24 | 0 | 2 | 0 | 0 | 4 |
| Appraisal - Value is not supported within 10% of original appraisal amount | Appraisal - Value is not supported within 10% of original appraisal amount | Appraisal - Value is not supported within 10% of original appraisal amount | Appraisal - Value is not supported within 10% of original appraisal amount | Appraisal - Value is not supported within 10% of original appraisal amount | Appraisal - Value is not supported within 10% of original appraisal amount | Appraisal - Value is not supported within 10% of original appraisal amount | Appraisal - Value is not supported within 10% of original appraisal amount | 24 | 24 | 0 | 0 | 0 | 0 | 2 |
| Appraisal - Value is supported within 10% of original appraisal amount | Appraisal - Value is supported within 10% of original appraisal amount | Appraisal - Value is supported within 10% of original appraisal amount | Appraisal - Value is supported within 10% of original appraisal amount | Appraisal - Value is supported within 10% of original appraisal amount | Appraisal - Value is supported within 10% of original appraisal amount | Appraisal - Value is supported within 10% of original appraisal amount | Appraisal - Value is supported within 10% of original appraisal amount | 2 | 0 | 0 | 2 | 0 | 0 | 2 |

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![](bar-chart.jpg)

## Exhibit 99.06

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.06 - Schedule 2**

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Finding #** | **Last Name** | **Note Date** | **DD Start Date** | **DD Delivery Date** | **Audit Category** | **Audit Issue** | **Finding ID** | **Exception Finding** | **Remediation Status** | **Exception Rebuttal** | **Exception Response** | **Status Comment** | **Compensating Factors** | **SOL Expiration Date** | **Initial Findings Grade** | **Final Findings Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| XXXX | 2124417 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2124417 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State HPML | XXXX | This loan failed the XXXX XXXX higher-priced mortgage loan test. (XXXX XXXX, XXXX Financial Code Division XXXX 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXXX Financial Code. The loan is a compliant HPML. Prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2124417 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2124417 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2122518 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2122518 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The loan file does not contain a soft pull credit report or other similar debt monitoring report as required per investor guidelines within XXXX calendar day of the loan closing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> UDM<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2122518 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2122522 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2122522 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR 1026.43(b)(4), (e)(1)). The loan has an APR of XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Acknowledged |  |  |  |  |  | 1 | 2 | 3 | 2 |
| XXXX | 2122522 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | XXXX | The loan failed the charges that cannot increase test. Although the addition may be valid, because a COC was not provided, auditor is unable to determine if the revised Loan Estimate issued on XX/XX/XXXX was disclosed within XXXX business days of the change. Therefore, the addition to the following fees was not accepted: XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Pleases see rebuttal<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please advise if PCCD and LOX are acceptable and we will cut check and send XXXX<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Check, XXXX tracking and label<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The information provided is not sufficient to clear the finding. The lump sum credit was not applied to any specific fees according to the CD and the itemization. A credit can only either be a true lender credit or a reimbursement, not both. To use any portion of the credit already provided would result in a violation of the lender credit tolerance to decrease. A reimbursement to the borrower is required. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The PCCD and LOE including amounts listed are correct. Pending copy of refund check as well as proof of mailing. Please note that cures must be provided within XXXX days of discovery. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2122522 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Revised Disclosure Late) | XXXX | The loan failed the charges that cannot increase test. Because the change occurred on XX/XX/XXXX, and consumer was not provided the disclosure within XXXX days of the change, the addition to the following fee was not accepted as valid: XXXX Day Extension - XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Pleases see rebuttal<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please advise if PCCD and LOX are acceptable and we will cut check and send XXXX<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> see uploaded docs today.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The information provided is not sufficient to clear the finding. The lump sum credit was not applied to any specific fees according to the CD and the itemization. A credit can only either be a true lender credit or a reimbursement, not both. To use any portion of the credit already provided would result in a violation of the lender credit tolerance to decrease. A reimbursement to the borrower is required. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The PCCD and LOE including amounts listed are correct. Pending copy of refund as well as proof of mailing. Please note that cures must be provided within XXXX days of discovery. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2122522 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2122522 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2132331 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2132331 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> HOI<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> HOI<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> HOI<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation still not received. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2132331 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2124420 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2124420 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. PITIA for reo at XXXX XXXX has not been fully verified. Provided documentation to support taxes and insurance payments for the property. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HOI and Taxes<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2124420 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2122520 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2122520 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2122520 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2132335 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2132335 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HOI<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2132335 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2132338 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2132338 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2132338 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2132336 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | XXXX | The loan failed the TILA Finance Charge tolerance test. Per Regulation Z, 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 in the Finance Charge calculation: Loan Discount points, $XXXX, Processing fee $XXXX, Rate Lock extension fees $XXXX and $XXXX, Underwriting fee $XXXX, XXXX fee $XXXX, Closing Protection letter fee $XXXX, Electronic Recording fee $XXXX, Settlement/Closing fee $XXXX, Title Services fee $XXXX and prepaid Interest $XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> PCCD with Cure<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2132336 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The loan file is missing documentation supporting the monthly insurance payment on all investment properties listed on the XXXX schedule. The loan file indicates XXXX., XXXX., and XXXX. are vacant land with current construction loans so a builder risk policy is needed. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> hoi policies<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2132336 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2132332 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2132332 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Other | XXXX | There are additional employment/income findings. Guides state self-employment verification must be provided for any applicant relying on bank statements for qualification. A CPA, EA, or licensed tax preparer letter will generally address this purpose, but third-party documentation constituting an equivalent verifying self-employment must be provided in all cases. The letter is valid for XXXX days. The letter shall state: the name of the business (if there is one),the applicant's percentage ownership,the length of self-employment, andthat the business/Applicant are active and/or in good standing as may be the case per state reporting. The loan file contains this for XXXX but the income is coming from bank statements in the name of XXXX. Provide documentation to support these are the same business or the required letter/equivalent to verify the business bank statement income. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> vvoe docs<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> CPA letter<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Still missing documentation to support these are the same business or the required letter/equivalent to verify the business bank statement income. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2132332 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2132333 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2132333 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Insufficient Documentation | XXXX | Investor guidelines require a CPA, EA, or licensed tax preparer letter addressing self-employment verification dated within XXXX days and shall state the name of the business, applicants percentage ownership, length of self-employment, and that the business /applicant are active and in good standing. The CPA letter provided does not list the borrower Nasi XXXX as an owner but has another name. Unable to verify the borrowers ownership percentage/ income used to qualify. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Submitted Updated CPA Letter.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2132333 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2132334 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2132334 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Other | XXXX | There are additional asset findings. The XXXX overlays state minimum ownership interest is XXXX% to use business assets. The loan is qualifying with solely business assets and CPA letter on file verifies the borrower as XXXX% owner of the business. If business assets are removed the file is short $XXXX in verified assets. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> CPA letter<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please provide the guidelines you are referring too. There is nothing in our guidelines that state XXXX%. Under Business Assets it states "The Applicant(s) on the loan must own a combined XXXX% or greater interest for the funds to be utilized. A CPA, EA, or licensed tax preparer's letter commenting on access must be provided to use, a cash flow analysis may not be used. The share of business assets owned by a non-borrowing spouse may not be used for funds to close or reserves." <br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Section 6.3 pg XXXX states "The Applicant(s) on the loan must own a combined XXXX% or greater interest for the funds to be utilized" and we are at XXXX% per documentation in file, please cancel condition.<br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> Exception approved by XXXX at XXXX. Please clear the condition. Thank you. <br>Rebuttal 5 (XX/XX/XXXX XX:XXAM)<br> Updated guidelines provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> XXXX acknowledged. Guideline require the borrower to be at least a XXXX% owner to use business funds. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Please refer to Page 12 Section 6:3 Business Assets. "Minimum ownership is XXXX%". (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Please view page XXXX of the overlays section XXXX: Business Assets. (XXXX)<br>Response 4 (XX/XX/XXXX XX:XXAM)<br> Exception from Investor not received. (XXXX)<br>Response 5 (XX/XX/XXXX XX:XXAM)<br> Updated guidelines in place at origination provided and XXXX% is the required ownership. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2132334 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters. Overlays for the Signature Expanded Platinum list first time home buyers as ineligible. The borrower has not owned a property in XXXX years as of the application date with the sale on XX/XX/XXXX and application date of XX/XX/XXXX which makes them a first time home buyer. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> The exception portal shows this was cleared. please update condition.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Exception approved by XXXX at XXXX. Please clear the condition. Thank you. <br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> please see email approval for the exception<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Exception has not been cleared. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Exception from Investor not received. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Documentation not received. (XXXX)<br>Response 4 (XX/XX/XXXX XX:XXPM)<br> Lender approved to waive based on compensating factors. (Waived)<br>**  | XXXX (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted Compensating factors: XXXX% DTI, $XXXX verified reserves, $XXXX monthly residual income<br>| Comp factors - XXXX, DTI XXXX and Reserves of $XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2132334 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VOR | XXXX | Verification of XXXX months rental payments is required. Guidelines state a copy of the lease is required to verify the payment history/ VOR for the borrower's primary residence. This is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> VOR- the dates are out of order but there are XXXX months<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2132334 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2124419 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2124419 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Contract Addendum - Missing | XXXX | The loan file is missing the sales contract addendum establishing the final sales price as $XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> addendum<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2124419 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2132341 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase/addition to the following fees was not accepted: Lender's Title Insurance. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> While I agree that the provider of the actual insurance was XXXX, the title company changed to XXXX which is a product to shop for and does affect the overall price. I believe we need a PCCD here only to correct and list "XXXX and Escrow" as the title and Settlement and Title Insurance as they are the ones to issue it through XXXX to allow the increase in the increased title insurance fee. Do you concur?<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The information provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2132341 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2132341 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2132339 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2132339 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2132339 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2132337 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2132337 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The loan file is missing a signed letter of explanation for the cash out proceeds as required per investor guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> LOX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2132337 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2132340 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> PCCD, LOX, XXXX and check<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2132340 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> See email from agent confirming all perils <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2132340 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2132343 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2132343 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HOI<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2132343 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2132342 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2132342 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HOI<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2132342 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2124096 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The XXXX did not acknowledge if the borrower personally appeared or was remotely online. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2124096 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | his loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2124096 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2124096 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2129517 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129517 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129517 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129726 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129726 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | The origination credit for both borrowers/guarantors was not provided as required. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please see attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2129726 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing | XXXX | The final loan application for both borrowers/guarantors were not provided as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please see attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2129726 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129727 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129727 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | The origination credit for both borrower's/guarantors was not provided as required. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please see attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2129727 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing | XXXX | The Final loan application for both borrowers/guarantors were not provided as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please see attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2129727 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129725 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2129725 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Subject closed in the nXXXXXXX and XXXX signed the Note for the entity and was the guarantor for the subject transaction. The investor guidelines required a minimum of XXXX% of the Entity ownership must be represented as borrowers on the loan. The Entity documentation reflected XXXX members of the XXXX; however, documents provided did not provide the membership percentage of each member. Unable to determine if investor guideline was met. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> please see attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2129725 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing required STR Documents | XXXX | Missing required short term rental docs per guidelines. Investor guidelines require a STR Narrative Report, XXXX months of verifiable rental income if applicable, and short term rental market data from multiple source such as XXXX, XXXX or XXXX. Required documentation was not provided. DSCR was unable to be calculated/verified. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX month trailing income attached.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> please see attached.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> The attached report goes back to XXXX. no other documentation is needed please see guides. <br>Rebuttal 4 (XX/XX/XXXX XX:XXAM)<br> property was under contract in XXXX, This report contains XXXX - XXXX, please advise.<br>Rebuttal 5 (XX/XX/XXXX XX:XXPM)<br> Based on the spreadsheet attachedin the previous email, the dates used were from XXXX (as the loan wasdecisioned in XXXX) through the last provided date of XX/XX/XXXX. Income from XXXX and XXXX, and the $XXXX were removed as it was anoutlier. Without accounting for any income in XXXX and XXXX, monthlyincome is $XXXX. This was a purchase transaction sorent provided was provided by the seller. We have a full XXXX months from XXXX XXXX to XXXX. The application was signed and received XX/XX/XXXX,so we would not have full XXXX or XXXX income as XXXX would havebeen the last full month received.<br>Rebuttal 6 (XX/XX/XXXX XX:XXPM)<br> Updated docs provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The narrative was not provided. Market data from several sources was not provided. Rents were missing from XXXX going forward. The property is in XXXX and the loan closed XX/XX/XXXX. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> XXXX page of the previously received documentation was provided. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> XXXX months of trailing rent implies the most recent XXXX months. Trailing rent from XXXX through XXXX was not provided. (XXXX)<br>Response 4 (XX/XX/XXXX XX:XXAM)<br> Rent from XXXX to XXXX was $XXXX. (XXXX)<br>Response 5 (XX/XX/XXXX XX:XXPM)<br> Original docs was cutting rent roll off at XX/XX/XXXX. Rest of rent roll sent over thru XXXX.XXXX verifying XXXX months rent as required. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2129725 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender exception in file as subject loan does not meet the Program Parameters for Loan Amount on a STR loan. The lender guidelines allowed a maximum loan amount of $XXXX fir STR loans. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see attached exception approval email.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: Borrower has XXXX months of post closing reserves, experienced investor with XXXX other rentals (STR & LTR) plus commercial property. Subject property is currently being run as a STR and has a strong rental history. |  | 3 | 2 | 3 | 2 |
| XXXX | 2129725 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2129724 | 1 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2129724 | 2 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Repairs | XXXX | The appraisal indicated repairs and improvements were required to support value, and no final inspection or evidence of completion was found in the file. The appraisal for XXXX reflected photos and comments to water leaking, a faulty back door that could not be opened, a debris filled gutter system and exposed electric wires. The loan file contained no evidence that these repairs had been addressed. Additional conditions may apply. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please see attached for credit report condition, will follow up with appraisal repairs. Also uploaded into XXXX server.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> please see XXXX 3 (XX/XX/XXXX XX:XXPM)<br> The photos provided show the completed window repairs, facia trim soffit rot repaired and painted, please advise. <br>Rebuttal 4 (XX/XX/XXXX XX:XXAM)<br> This is a purchase transaction, please waive this. <br>Rebuttal 5 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Awaiting documentation. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Only the gutter photos were received. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Please provide evidence of water leak and exposed wiring repairs. (XXXX)<br>Response 4 (XX/XX/XXXX XX:XXAM)<br> Unable to waive. (XXXX)<br>Response 5 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive based on compensating factors. (Waived)<br>**  |  | Compensating factors - XXXX, DSCR XXXX, Reserves $XXXX and experienced investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2129724 | 3 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower - Residency Alien Documentation | XXXX | The borrower's social security card reflected "Valid for work only with DHS Authorization". No additional documentation to support borrower's residency status was present in the loan file. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Borrower has a US passport. please waive this condition. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 4 | 1 | 3 | 2 |
| XXXX | 2129724 | 4 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. The credit report for the guarantor is missing from the loan file. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached. <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> borrower has confirmed FICO of XXXX. please see attached.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> I have attached here and also uploaded though the XXXX portal as well.<br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> Doc provided.<br>Rebuttal 5 (XX/XX/XXXX XX:XXPM)<br> see attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Credit XXXX is below the XXXX required for XXXX% LTV. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is corrupt. Please send again. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Credit report provided is dated XXXX.XXXX and has scores of XXXX, XXXX and XXXX. Qualifying score is XXXX. (XXXX)<br>Response 4 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2129724 | 5 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The certificate of good standing for borrowing entity was missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2129724 | 6 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing as required by guides. The final application for the borrower is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2129724 | 7 of 7 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX and XX/XX/XXXX which support the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2127020 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2127020 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement is missing page XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please see borrower executed loan agreement.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Please see document attached. There is no signature required on this page.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The complete Loan Agreement including pg. XXXX has been provided. Page XXXX is the Tenant Direction Letter and is incomplete. Please provide a completed pg. XXXX for review. XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2127020 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing as required by guides. The loan file does not contain an application for either borrowers. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2127020 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> all perils conformation from agent attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2127020 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2127021 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2127021 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | The subject closed in the name of XXXX. The investor guidelines required a Certificate of Good Standing for the LLC dated within XXXX days of the Note date. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please see attached. <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Please see attached. <br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> This report was pulled XX/XX/XXXX status is ACTIVE. You are looking at the date of formation.<br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> please see attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The only date on the COGS is XX/XX/XXXX. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> COGS provided has a date over XXXX years old. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Please provide the search containing the XX/XX/XXXX date. (XXXX)<br>Response 4 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2127021 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing | XXXX | The Final application for the Borrower/Guarantor is missing as required by guides. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> final application attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2127021 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129729 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129729 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing HUD | XXXX | The loan file is missing the original purchase settlement statement as required for refinance transactions. The subject property was purchased XX/XX/XXXX for $XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2129729 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing as required by guides. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2129729 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> conformation attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2129729 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2132153 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2132153 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Subject is a cash out refinance with a Note date of XX/XX/XXXX. LTV was based off the appraisal value of $XXXX. The subject was purchased for $XXXX on XX/XX/XXXX. Per the investor guidelines cash out refinances required ownership seasoning of minimum of XXXX months. XXXX does not meet the seasoning requirements. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> value-add rehab was made to the property since the purchase. $XXXXk worth of rehab went into the property which is more than the purchase price. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> XXXX was delayed financing. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2132153 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2132151 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2132151 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Bank Statements | XXXX | The bank and/or asset statements are incomplete. The majority of the assets comes from XXXX accounts. The loan file contains XXXX months worth of account summaries but does not include the statements for any of the accounts. Without these funds the loan file is short funds to close plus reserves. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> regarding the statements - these are investment portfolio accounts. they do not separate all of the individual investment accounts. Investment accounts can be accounted at XXXX% - these total $XXXXMM. Additionally, there is a LOC included in these statements with an additional available balance of $XXXX available to borrow. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Investor allowing summary pages to be used for asset calculation.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Please provide all pages of the XXXX asset statements in file. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Investor approved to use only summary statements for retirement account based on compensating factors. (Waived)<br>**  |  | Comp factors - XXXX, Reserves $XXXX, experienced investor and DSCR XXXX |  | 3 | 2 | 3 | 2 |
| XXXX | 2132151 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Contract Addendum - Missing | XXXX | The Sales Contract Addendum(s) is/are missing. The purchase contract provided indicates a sales price of $XXXX with the Final HUD-XXXX having a final purchase price of $XXXX the loan file is missing the addendum with the final purchase price. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see PPA attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2132151 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2129730 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129730 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129730 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2132152 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2132152 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2132152 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2128115 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2128115 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2128115 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2132292 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2132292 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2132292 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2128101 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2128101 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | Sufficient reserves to meet underwriting requirements and PITI were not verified in the file. The borrower was required to provide documentation supporting assets totaling XXXX to meet the XXXX month reserve requirement. The loan file contained XXXX month's bank statements from XXXX; however, the statements provided were dated XX/XX/XXXX and XX/XX/XXXX which were expired at closing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> September and October XXXX statements attached. Borrower also cashed out on the property at closing for $XXXXk. HUD attached as well.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Personal quarterly statement attached. The 2nd person appearing on the statement is the borrower&#XXXX;s wife, XXXX, as confirmed on the borrower&#XXXX;s background check XXXX Relatives&#XXXX;.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Guidelines do not indicate cash back can be used for reserves. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2128101 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The subject loan was delivered as a XXXX% LTV/CLTV cash out refinance of a XXXX unit property. The borrower was qualified with a credit XXXX. Lender guidelines indicate the maximum LTV allowed for a cash out refinance transaction for borrowers with a credit score between XXXX-XXXX is XXXX%. The subject loan does not meet program parameters. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX is owned by XXXX individuals XXXX (XXXX%), XXXX (XXXX%), and XXXX (XXXX%). Loan was locked using XXXX FICO XXXX given he has the most ownership of the entity and all other owners have a XXXX+ FICO. OA and credit report for XXXX attached. <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> XXXX guideline surrounding the use of the highest owner&#XXXX;s credit score to determine leverage and pricing attached (no XXXX overlays for this guideline).<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The borrower's score is used to qualify. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Explanation and documentation received is sufficient. (Void)<br>**  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2128101 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX which supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2125619 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Appraisal Report Disclosure, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125619 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125619 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125627 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Appraisal Report Disclosure, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2125627 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2125627 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2125627 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2125626 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Appraisal Report Disclosure, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2125626 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2125626 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2125626 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2128109 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Appraisal Report Disclosure, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2128109 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Loan Amount | XXXX | The loan amount does not meet guidelines. The guidelines require a minimum loan amount of $XXXX. The subject loan closed with a loan amount of $XXXX, which does not mee the minimum. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> This exception was approved<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. Experienced Investor. XXXX DSCR. |  | 3 | 2 | 3 | 2 |
| XXXX | 2128109 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters. The guidelines require a minimum property value of $XXXX. The subject property was valued at $XXXX and does not meet the minimum required. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> IFC guideline state: "Properties with value less than $XXXX, unless given written approval from Underwriting then minimum value is $XXXX." IFC underwriting approval was granted for this loan.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. Experienced Investor. XXXX DSCR. |  | 3 | 2 | 3 | 2 |
| XXXX | 2128109 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2128108 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: Page XXXX of the Business Loan agreement was cut off at the bottom. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Corrected BLA attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2128108 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: Page XXXX of the note is cut off. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2128108 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2128108 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | Sufficient reserves to meet underwriting requirements and PITI were not verified in the file. Guidelines require XXXX months PITIA reserves and borrower must have sufficient funds prior to loan closing; therefore, subject loan proceeds are not eligible. The borrower was required to evidence $XXXX in reserves. The loan file only contained evidence of $XXXX in qualifying assets. As a result, there is a $XXXX shortage in verified assets. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> - All qualified accounts attached - Access Letters attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2128108 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. Blanket policy in the loan file reflects "Special Except Theft"; therefore, all perils are not covered as the theft peril is not covered. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Agent confirmed AOP were covered <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Confirmation attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Confirmation not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2128108 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which support the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2125628 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2125628 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2125628 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2125618 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application due to the following: There was no application date, the appraisal notice was not dated. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). ?Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2125618 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2125618 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The guidelines indicate transfer appraisals are permitted with a copy of a paid invoice, an authorized transfer letter from the transferring lender, evidence the borrower received the appraisal and a XXXX% max LTV for the transaction. The appraisal in file reflects the Lender as "XXXX, XXXX," vs. "XXXX." The loan file contains an authorized transfer letter from the transferring lender, however, missing evidence the borrower received the appraisal and a paid invoice. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Paid invoice and ECOA stating the borrower received the appraisal after its completion<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> - Paid receipt for the appraisal attached - Borrower confirmation that he received a copy of the appraisal upon completion. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The invoice reflects unpaid and ECOA does not reflect the borrower received a copy of the appraisal. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2125618 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2128102 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2128102 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | The guidelines indicate a XXXX months VOM is required when the XXXX primary mortgage is not reflected on the credit report. The loan file contains a VOM from XXXX for the primary residence for XXXX, however, the payment activity is missing. It should be noted the account name reflects "XXXX" and the loan file is missing documentation to support the Guarantor XXXX has ownership interest in XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> OA for XXXX attached showing ownership belongs to XXXX. VOM was provided directly from the debt holder showing no late charge balance which was indicated to us thats where all late charges would appear since the inception of the loan on XX/XX/XXXX, if there were any. The absence of a late charge balance got us comfortable with the borrower&#XXXX;s payment history on his primary residence.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Payment history attached. Payment history and VOM align with the loan XXXX given by XXXX.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Account details provided mentions a payment history is attached. Payment history is missing. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2128102 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2128111 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2128111 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2128111 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2128112 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2128112 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2128112 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2132288 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2132288 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2132288 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125629 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Appraisal Report Disclosure, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125629 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125629 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125630 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Appraisal Report Disclosure, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125630 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125630 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125620 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2125620 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2125620 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2125621 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125621 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125621 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2128110 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2128110 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2128110 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2132289 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2132289 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2132289 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2128107 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2128107 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Rider is missing: XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached is the signed condo rider<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2128107 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Condo - Documentation | XXXX | The loan file did not contain the required condo documentation. The loan file was missing the complete condominium documentation, including condo questionnaire. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Condo questionnaire, association financials, and master insurance policy attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2128107 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing HUD | XXXX | Missing HUD as required. The HUD in the loan file does not reflect the purchase price for the subject property and does not reflect escrow for taxes and insurance. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Master purchase HUD showing total purchase price and the allocated purchase prices can be found on page XXXX of the attached document.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> The master HUD provided is the closing HUD for property address XXXX Unit XXXX where the entire purchase price of the portfolio purchased by the borrower on XX/XX/XXXX for $XXXX. This HUD shows the borrower needed to bring $XXXX to purchase the portfolio. Each property (minus XXXX XXXX Unit XXXX) has its own HUD showing the loan amount granted to each property purchased minus settlement charges. On the property specific HUDs, the borrower received anywhere between $XXXX-$XXXX in proceeds that were applied towards the total purchase of the XXXX properties outlined in the Agreement of Sale.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The loan was delivered for review as the purchase of XXXX property. The HUD provided reflects a XXXX property cross collateral loan. Please reconcile. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> This loan is XXXX of XXXX loans closed at the same time. There are XXXX individual notes and XXXX individual mortgages. XXXX individual complete HUD's are required to accurately depict each transaction. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Upon further Senior Management review, the combination of the master HUD and individual loan HUD is enough to calculate and establish cash required to close and reserves and if assess support. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2128107 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2128116 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2128116 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2128116 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2128117 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2128117 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2128117 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2129604 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129604 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129604 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2132290 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2132290 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2132290 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX and XX/XX/XXXX which support the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2128113 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2128113 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2128113 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2128114 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2128114 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2128114 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129602 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2129602 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Inaccurate | XXXX | The Note in inaccurate. The note indicates the payment consist of principle and interest. The loan amount of $XXXX, for XXXX Years at an XXXX% interest the principle and interest payment would be $XXXX. The payment listed on the note $XXXX, it appears to be an interest only payment. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached is the corrected note<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2129602 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2129602 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2129602 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. No CU or CDA/AVM provided at origination. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CDA attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2128103 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2128103 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Rider is missing: XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached signed condo rider<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2128103 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing HUD | XXXX | Missing HUD as required. The HUD in the loan file does not reflect the purchase price for the subject property and does not reflect escrow for taxes and insurance. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> - Master purchase HUD showing total purchase price and the allocated purchase prices can be found on page XXXX of the attached document. -2nd attached HUD will show escrowed taxes and insurance on lines XXXX & XXXX<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> The master HUD provided is the closing HUD for property address XXXX Unit XXXX where the entire purchase price of the portfolio purchased by the borrower on XX/XX/XXXX for $XXXX. This HUD shows the borrower needed to bring $XXXX to purchase the portfolio. Each property (minus XXXX XXXX Unit XXXX) has its own HUD showing the loan amount granted to each property purchased minus settlement charges. On the property specific HUDs, the borrower received anywhere between $XXXX-$XXXX in proceeds that were applied towards the total purchase of the XXXX properties outlined in the Agreement of Sale.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Loan was reviewed as a single property. HUD provided is a XXXX property blanket loan. Please reconcile. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> This loan is XXXX of XXXX loans closed at the same time. There are XXXX individual notes and XXXX individual mortgages. XXXX individual complete HUD's are required to accurately depict each transaction. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Upon further Senior Management review, thecombination of the master HUD and individual loan HUD is enough to calculateand establish cash required to close and reserves and if assess support.(Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2128103 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2128104 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2128104 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | Missing Rider/Addendum. The following referenced Rider is missing: XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached signed condo rider<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2128104 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing HUD | XXXX | Missing HUD as required. The HUD in the loan file does not reflect the purchase price for the subject property and does not reflect escrow for taxes and insurance. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> - Master purchase HUD showing total purchase price and the allocated purchase prices can be found on page XXXX of the attached document. -2nd attached HUD shows taxes and insurance escrows on lines XXXX & XXXX.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> The master HUD provided is the closing HUD for property address XXXX Unit XXXX where the entire purchase price of the portfolio purchased by the borrower on XX/XX/XXXX for $XXXX. This HUD shows the borrower needed to bring $XXXX to purchase the portfolio. Each property (minus XXXX XXXX Unit XXXX) has its own HUD showing the loan amount granted to each property purchased minus settlement charges. On the property specific HUDs, the borrower received anywhere between $XXXX-$XXXX in proceeds that were applied towards the total purchase of the XXXX properties outlined in the Agreement of Sale.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Attached signed condo rider<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Loan was reviewed as a single property. HUD received reflects a XXXX property loan. Please reconcile. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> This loan is XXXX of XXXX loans closed at the same time. There are XXXX individual notes and XXXX individual mortgages. XXXX individual complete HUD's are required to accurately depict each transaction. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Upon further Senior Management review, thecombination of the master HUD and individual loan HUD is enough to calculateand establish cash required to close and reserves and if assess support.(Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2128104 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2128105 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2128105 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | Missing Rider/Addendum. The following referenced Rider is missing: XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached signed condo rider<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2128105 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Condo - Documentation | XXXX | The loan file did not contain the required condo documentation. The loan file was missing the complete condominium documentation, including condo questionnaire. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Condo questionnaire, association financials, and master insurance policy attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2128105 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing HUD | XXXX | Missing HUD as required. The HUD in the loan file does not reflect the purchase price for the subject property and does not reflect escrow for taxes and insurance. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> - Master purchase HUD showing total purchase price and the allocated purchase prices can be found on page XXXX of the attached document. -2nd attached HUD shows taxes and insurance escrows on lines XXXX & XXXX.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> The master HUD provided is the closing HUD for property address XXXX Unit XXXX where the entire purchase price of the portfolio purchased by the borrower on XX/XX/XXXX for $XXXX. This HUD shows the borrower needed to bring $XXXX to purchase the portfolio. Each property (minus XXXX XXXX Unit XXXX) has its own HUD showing the loan amount granted to each property purchased minus settlement charges. On the property specific HUDs, the borrower received anywhere between $XXXX-$XXXX in proceeds that were applied towards the total purchase of the XXXX properties outlined in the Agreement of Sale.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Loan was reviewed as a single property. HUD received reflects a XXXX property loan. Please reconcile. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> This loan is XXXX of XXXX loans closed at the same time. There are XXXX individual notes and XXXX individual mortgages. XXXX individual complete HUD's are required to accurately depict each transaction. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Upon further Senior Management review, thecombination of the master HUD and individual loan HUD is enough to calculateand establish cash required to close and reserves and if assess support.(Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2128105 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2125622 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2125622 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | Missing Rider/Addendum. The following referenced Rider is missing: XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached signed condo rider<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2125622 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Condo - Documentation | XXXX | The loan file did not contain the required condo documentation. The loan file was missing the complete condominium documentation, including condo questionnaire. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Condo questionnaire, association financials, and master insurance policy attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2125622 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing HUD | XXXX | Missing HUD as required. The HUD in the loan file does not reflect the purchase price for the subject property and does not reflect escrow for taxes and insurance. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> - Master purchase HUD showing total purchase price and the allocated purchase prices can be found on page XXXX of the attached document. -2nd attached HUD shows taxes and insurance escrows on lines XXXX & XXXX.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> The master HUD provided is the closing HUD for property address XXXX Unit XXXX where the entire purchase price of the portfolio purchased by the borrower on XX/XX/XXXX for $XXXX. This HUD shows the borrower needed to bring $XXXX to purchase the portfolio. Each property (minus XXXX XXXX Unit XXXX) has its own HUD showing the loan amount granted to each property purchased minus settlement charges. On the property specific HUDs, the borrower received anywhere between $XXXX-$XXXX in proceeds that were applied towards the total purchase of the XXXX properties outlined in the Agreement of Sale.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Loan was reviewed as a single property. HUD received reflected XXXX properties. Please reconcile. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> This loan is XXXX of XXXX loans closed at the same time. There are XXXX individual notes and XXXX individual mortgages. XXXX individual complete HUD's are required to accurately depict each transaction. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Upon further Senior Management review, thecombination of the master HUD and individual loan HUD is enough to calculateand establish cash required to close and reserves and if assess support.(Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2125622 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2128106 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2128106 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Rider is missing: XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached signed condo rider<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2128106 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing HUD | XXXX | Missing HUD as required. The HUD in the loan file does not reflect the purchase price for the subject property and does not reflect escrow for taxes and insurance. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> - Master purchase HUD showing total purchase price and the allocated purchase prices can be found on page XXXX of the attached document. -2nd attached HUD shows taxes and insurance escrows on lines XXXX & XXXX.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> The master HUD provided is the closing HUD for property address XXXX Unit XXXX where the entire purchase price of the portfolio purchased by the borrower on XX/XX/XXXX for $XXXX. This HUD shows the borrower needed to bring $XXXX to purchase the portfolio. Each property (minus XXXX XXXX Unit XXXX) has its own HUD showing the loan amount granted to each property purchased minus settlement charges. On the property specific HUDs, the borrower received anywhere between $XXXX-$XXXX in proceeds that were applied towards the total purchase of the XXXX properties outlined in the Agreement of Sale.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> File was reviewed as a single property. HUD reflects XXXX properties. Please reconcile. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> This loan is XXXX of XXXX loans closed at the same time. There are XXXX individual notes and XXXX individual mortgages. XXXX individual complete HUD's are required to accurately depict each transaction. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Upon further Senior Management review, thecombination of the master HUD and individual loan HUD is enough to calculateand establish cash required to close and reserves and if assess support.(Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2128106 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2125624 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2125624 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | Security Instrument - Missing Rider/Addendum. The following referenced Rider is missing: XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached signed condo rider<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2125624 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Condo - Documentation | XXXX | The loan file did not contain the required condo documentation. The loan file was missing the complete condominium documentation, including condo questionnaire. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Condo questionnaire, association financials, and master insurance policy attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2125624 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing HUD | XXXX | Missing HUD as required. The HUD in the loan file does not reflect the purchase price for the subject property and does not reflect escrow for taxes and insurance. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> - Master purchase HUD showing total purchase price and the allocated purchase prices can be found on page XXXX of the attached document. -2nd attached HUD shows taxes and insurance escrows on lines XXXX & XXXX.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> The master HUD provided is the closing HUD for property address XXXX Unit XXXX where the entire purchase price of the portfolio purchased by the borrower on XX/XX/XXXX for $XXXX. This HUD shows the borrower needed to bring $XXXX to purchase the portfolio. Each property (minus XXXX XXXX Unit XXXX) has its own HUD showing the loan amount granted to each property purchased minus settlement charges. On the property specific HUDs, the borrower received anywhere between $XXXX-$XXXX in proceeds that were applied towards the total purchase of the XXXX properties outlined in the Agreement of Sale.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Loan was reviewed as XXXX property. HUD received reflects XXXX properties. Please reconcile. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> This loan is XXXX of XXXX loans closed at the same time. There are XXXX individual notes and XXXX individual mortgages. XXXX individual complete HUD's are required to accurately depict each transaction. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Upon further Senior Management review, thecombination of the master HUD and individual loan HUD is enough to calculateand establish cash required to close and reserves and if assess support.(Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2125624 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2125625 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2125625 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Rider is missing: XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached signed condo rider<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2125625 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing HUD | XXXX | Missing HUD as required. The HUD in the loan file does not reflect the purchase price for the subject property and does not reflect escrow for taxes and insurance. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> - Master purchase HUD showing total purchase price and the allocated purchase prices can be found on page XXXX of the attached document. -2nd attached HUD shows taxes and insurance escrows on lines XXXX & XXXX.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> The master HUD provided is the closing HUD for property address XXXX Unit XXXX where the entire purchase price of the portfolio purchased by the borrower on XX/XX/XXXX for $XXXX. This HUD shows the borrower needed to bring $XXXX to purchase the portfolio. Each property (minus XXXX XXXX Unit XXXX) has its own HUD showing the loan amount granted to each property purchased minus settlement charges. On the property specific HUDs, the borrower received anywhere between $XXXX-$XXXX in proceeds that were applied towards the total purchase of the XXXX properties outlined in the Agreement of Sale.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Loan was reviewed as one property. HIUD received reflected XXXX properties. Please reconcile. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> This loan is XXXX of XXXX loans closed at the same time. There are XXXX individual notes and XXXX individual mortgages. XXXX individual complete HUD's are required to accurately depict each transaction. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Upon further Senior Management review, thecombination of the master HUD and individual loan HUD is enough to calculateand establish cash required to close and reserves and if assess support.(Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2125625 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2125623 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2125623 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Rider is missing: XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached signed condo rider<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2125623 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Condo - Documentation | XXXX | The loan file did not contain the required condo documentation. The loan file was missing the complete condominium documentation, including condo questionnaire. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Condo questionnaire, association financials, and master insurance policy attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2125623 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. Guidelines require that all credit scores must be unfrozen. The loan file contains a credit report dated XX/XX/XXXX, reflecting a frozen credit score. The subject loan is part of a XXXX property simultaneous purchase. The subject loan file does not contain the more current credit report, reflecting all XXXX bureau scores, dated XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Updated credit report attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2125623 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing HUD | XXXX | Missing HUD as required. The HUD in the loan file does not reflect the purchase price for the subject property and does not reflect escrow for taxes and insurance. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> - Master purchase HUD showing total purchase price and the allocated purchase prices can be found on page XXXX of the attached document. -2nd attached HUD shows taxes and insurance escrows on lines XXXX & XXXX.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> The master HUD provided is the closing HUD for property address XXXX Unit XXXX where the entire purchase price of the portfolio purchased by the borrower on XX/XX/XXXX for $XXXX. This HUD shows the borrower needed to bring $XXXX to purchase the portfolio. Each property (minus XXXX XXXX Unit XXXX) has its own HUD showing the loan amount granted to each property purchased minus settlement charges. On the property specific HUDs, the borrower received anywhere between $XXXX-$XXXX in proceeds that were applied towards the total purchase of the XXXX properties outlined in the Agreement of Sale.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Loan was reviewed as one property. HUD provided reflected XXXX properties. Please reconcile. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> This loan is XXXX of XXXX loans closed at the same time. There are XXXX individual notes and XXXX individual mortgages. XXXX individual complete HUD's are required to accurately depict each transaction. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Upon further Senior Management review, thecombination of the master HUD and individual loan HUD is enough to calculateand establish cash required to close and reserves and if assess support.(Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2125623 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2125631 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Appraisal Report Disclosure, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2125631 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2125631 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | Sufficient reserves to meet underwriting requirements and PITI were not verified in the file. Guidelines require XXXX months PITIA reserves and borrower must have sufficient funds prior to loan closing; therefore, subject loan proceeds are not eligible. The borrower was required to evidence $XXXX in reserves. The loan file only contained evidence of $XXXX in qualifying assets. As a result, there is a $XXXX shortage in verified assets. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> - All qualified accounts attached - All access letters attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2125631 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. Blanket policy in the loan file reflects "Special Except Theft"; therefore, all perils are not covered as the theft peril is not covered. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Confirmation of All Other Perils<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2125631 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which support the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2129605 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2129605 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2129605 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2132287 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2132287 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2132287 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2132291 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2132291 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2132291 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2132293 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2132293 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AOP confirmation attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2132293 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2133271 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2133271 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines. The file contained a background check for the co-borrower which reflected a possible criminal arrest; however, the date of the offense and the details of the offense were not provided. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached backgrounds for both borrowers. Also attached - lookup through XXXX courts showing that criminal charge was dismissed (back in XXXX).<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2133271 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. No value supporting documentation was present in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CDA attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> CDA provided and supports original appraised value. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2127771 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2127771 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. The hazard insurance policy for XXXX does not reflect coverage for all perils as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached additional details for the insurance policy. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2127771 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX which supports the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2133272 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Riders / Legal Addendum(s) are missing: XXXX-XXXX Family Rider, Prepayment Rider, Business Loan Rider, SFR Entity Borrower Rider, and Business Purpose and XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2133272 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The vesting XXXX (XXXX) contains XXXX members, as reflected on the Operating Agreement. Certificate of Limited Liability Company Resolutions, dated XX/XX/XXXX reflects the Borrower as XXXX% Member. However, a Resolution by the Members is missing from the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached resolution showing borrower is now XXXX% owner.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2133272 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The DSCR is XXXX. The matrix indicates vacant properties are ineligible for refinances when the DSCR is between .XXXX and less than XXXX. Per the appraisal, the subject property is vacant and no lease is provided in the file or indicated by the appraiser. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached the approved GL exception in ELL portal<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> See attached approved exception. Please clear.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX% LTV. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2133272 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file and supports original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2133275 | 1 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2133275 | 2 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Missing required 1004 D | XXXX | The appraisal was completed subject to a list of required repairs and inspections listed in the addendum which was requested at prefund review. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached documents. The repairs were completed, then a XXXXD was completed as well. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2133275 | 3 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Large Deposits/Unacceptable | XXXX | Recent large deposits were not adequately sourced and/or documented. The file contains a XXXX day VOD report dated XX/XX/XXXX with XXXX reflecting only average balances and current balance with no transaction history, monthly XXXX checking XXXX XX/XX/XXXX with balance of $XXXX, and monthly XXXX business checking XXXX XX/XX/XXXX with balance of $XXXX with account holder as XXXX. in which entity docs were provided to support the borrower is sole member. Guidelines require XXXX month or recent quarterly statements. Review of the business checking statement XX/XX/XXXX reflects XXXX large deposits with the description of Deposit of $XXXX on XX/XX/XXXX and $XXXX on XX/XX/XXXX that were not sourced. Guidelines define a large deposit as a single deposit that exceeds lessor of XXXX% of the loan amount which is $XXXX or $XXXX. Omission of these deposits results in a funds to close shortage of $XXXX and reserves shortage of $XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached document that sources the large deposit. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> See attached source of the $XXXXk deposit from XXXX/XXXX. This was for a draw on another project. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation does not source the parge deposits and includes a new unsourced large deposit of $XXXX on XX/XX/XXXX. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2133275 | 4 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing | XXXX | The application is missing from the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached application. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2133275 | 5 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | DSCR. The subject property condition is C4 per the appraisal. Guidelines for rental program allow for conditions C1 - C3 only. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached GL exception for C4 and XXXX condition. Investor requests max XXXX% LTV, PPF accepts. Please clear. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please see attached GL exception for C4 condition<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> See attached exception approval. Please clear.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Unable to complete waiver. The loan closed at XXXX% LTV. Waiver allowed maximum XXXX% LTV. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation not received. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX DSCR. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2133275 | 6 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject property is located in the state of XXXX. Per the guidelines this is an ineligible lending area. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached GL exception for C4 and XXXX condition. Investor requests max XXXX% LTV, PPF accepts. Please clear. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please see attached GL exception for XXXX eligible location <br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> See attached approval by investor. Please clear.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Unable to complete waiver. The loan closed at XXXX% LTV. Waiver allowed maximum XXXX% LTV. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation not received. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX DSCR. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2133275 | 7 of 7 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains XXXX Reconciliation Report dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2133277 | 1 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2133277 | 2 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Signature Discrepancy | XXXX | The Note was executed by an entity (XXXX) , but the entity documents are missing. Unable to determine if signature on note is accurate. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Entity docs for XXXX provided in previous condition. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> See attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The entity documents for XXXX have been provided; please provide the entity documents for XXXX. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2133277 | 3 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Signature Discrepancy | XXXX | The Mortgage was executed by entity (XXXX), but the entity documents are missing. Unable to determine if signatureon Mortgage is accurate. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Entity docs for XXXX provided in previous condition. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> See attached entity documents.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The entity documents for XXXX have been provided; please provide the entity documents for XXXX. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2133277 | 4 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - OFAC Screening | XXXX | The loan file does not contain evidence the Borrowers passed the OFAC screening process. The OFAC for XXXX and XXXX is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> OFAC attached. <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> See attached OFAC report<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Still missing OFAC for XXXX. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2133277 | 5 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines. The background check for XXXX, LLC and XXXX is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX reports attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2133277 | 6 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The pre-close file indicated the borrowing entity to be XXXX, LLC; however, the subject transaction closed with the entity XXXX, LLC by XXXX. The loan file contains entity documentation for XXXX, LLC; however, the certificate of good standing, operating agreement, articles of organization and evidence of EIN are missing for XXXX, LLC and XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Entity docs attached. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Attached. EIN on p. XXXX of the Cert of Formation and EIN document. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Still missing certificate of good standing, operating agreement, articles of organization and evidence of EIN for XXXX, LLC. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2133277 | 7 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters for required borrower experience. Guidelines reflect an experienced borrower under the DSCR program has XXXX properties owned or sold within the past XXXX months or XXXX with a minimum of XXXX months ownership not including the primary residence. Documentation required to confirm includes schedule of real estate owned reflecting the minimum number of properties and a property profile for each property to verify experience tier(see guidelines for complete requirements). The background check for XXXX reflects XXXX properties both owned for < XXXX months. The subject property is also owned less than XXXX months. Evidence of experience required. Noted, if experience requirement not met, borrower may still be eligible with compensating factors noted in the guidelines. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached properties owned by the Borrower. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2133277 | 8 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing as required by guides. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Application attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2133277 | 9 of 9 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129606 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Notary Acknowledgment is missing for the Borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Mortgage signed by both borrowers are attached. The notary did not complete the mortgage acknowledgement for XXXX and are unable to backdate the document we have on file. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please see attached acknowledgement page. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. There is one notary dated XX/XX/XXXX and one dated XX/XX/XXXX. It appears both borrowers appeared before a notary. Both borrowers names were listed as present, but the notary crossed off XXXX (the signature she was attesting to) instead of crossing off XXXX. The notary can correct the mortgage to reflect it was XXXX present before her and not XXXX. This can be done with corrections to the document with initials and re-recording or with a scriveners affidavit. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2129606 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129606 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The CDA is missing from this file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached CDA report. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2125840 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2125840 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | Sufficient reserves to meet underwriting requirements and PITI were not verified in the file. The borrower is short reserves in the amount of $XXXX. Total EMD is $XXXX, cash to close $XXXX, required reserves $XXXX for a total of $XXXX in total required assets. Total verified assets are $XXXX, which results in a reserve shortage of $XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Additional asset statements have been uploaded through the SFTP site.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Additional assets provided and meet cash to close and reserve requirements. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2125840 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Ineligible Property Type - 5+ Units | XXXX | The subject property is XXXX units. Properties with XXXX or more units must be approved to meet the XXXX overlay. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CDA attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> See email from investor approving the XXXX-unit<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> CDA does not address issue. Lender overlay requires that Investor approve any XXXX-XXXX unit properties. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive based on compensating factors. (Waived)<br>**  |  | Comp factors - XXXX, DSCR XXXX, and XXXX% LTV. |  | 3 | 2 | 3 | 2 |
| XXXX | 2125840 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Guidelines provided do not address any additional requirements for XXXX-XXXX unit properties. Subject is a XXXX unit rent controlled building in XXXX. Additional conditions may apply. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX - is there a question or condition here?<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Please provide the matrix for XXXX to XXXX units. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive based on compensating factors. (Waived)<br>**  |  | Comp factors - XXXX, DSCR XXXX, and XXXX% LTV. |  | 3 | 2 | 3 | 2 |
| XXXX | 2125840 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached CDA<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> CDA provided and supports original appraised value. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2133280 | 1 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | HMDA - Government Monitoring | XXXX | The Government Monitoring Section on the application was not completed. Home Mortgage Disclosure Act (Regulation C) 12 CFR 1003.4(b) Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2133280 | 2 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX month prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2133280 | 3 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Other | XXXX | The file is missing credit report for the Co Borrower, XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2133280 | 4 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | The file is missing background check/OFAC for the Co Borrower, XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2133280 | 5 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | XXXX for a purchase with a credit XXXX and DSCR >XXXX is XXXX%. Subject LTV is XXXX%, which exceeds the max of XXXX%. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached exception approved by investor.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | DSCR XXXX. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2133280 | 6 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The loan application for the Co Borrower is missing (that includes Declaration of Business Use of Proceeds). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2133280 | 7 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Other | XXXX | The title commitment does not include the Co Borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached updated commitment with borrower name added. Also, OFAC report also attached - forgot to attach along with background report.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2133280 | 8 of 8 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2133273 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133273 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133273 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports theappraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125844 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125844 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125844 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129607 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2129607 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Missing required 1004 D | XXXX | Missing required XXXX to validate value or required repairs. The origination appraisal indicated the value was "subject to repairs" and the loan file did not contain a XXXXD confirming the repairs were completed as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> See XXXXD attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2129607 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Credit Score | XXXX | The borrower's credit scores are below the minimum allowable per guidelines. The origination credit report reflected the borrower had a credit XXXX which did not meet the lender minimum requirement of XXXX. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Investor approved - see attached approval screenshot.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX% LTV. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2129607 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX which supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2127773 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2127773 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The file contains only an insurance estimate that covers the period from XX/XX/XXXX-XX/XX/XXXX. The premium amount does not match the amount used for the monthly insurance amount ($XXXX vs $XXXX) per the payment letter. HOI policy must be provided and specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached EOI and email confirmation from agent confirming DP3 (all perils).<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2127773 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2125842 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2125842 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | The lease on the subject property reflects the property is managed by a property management company, XXXX. The loan file is missing the property management agreement. This was conditioned for at prefund review. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> LOE regarding property management attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2125842 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Subject transaction cash-out refinance. A detailed borrower/sponsor's executed letter of explanation for the cash-out proceeds missing from the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> LOE attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2125842 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2125845 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Rider(s) are missing: XXXX-XXXX Family Rider, Prepayment Rider, Business Loan Rider, SFR Entity Borrower Rider, and Business Purpose and XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Riders attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2125845 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | Cash-out refinance and the file is missing an executed letter of explanation confirming the funds are for business use as required per the guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> See attached LOE<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2125845 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | The file contains evidence of a security deposit received on XX/XX/XXXX and XXXXst month's rent received on XX/XX/XXXX; however, is missing an executed lease agreement along with the management agreement from XXXX. Further, XXXX was qualified using XXXX% of market rent $XXXX which equals $XXXX resulting in DSCR XXXX. An additional month's proof of rent received is required. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached lease agreement. See also attached email from borrower which states XXXX is a management platform the borrower uses for marketing purposes. See also attached account statement.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documents provided as required. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2125845 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2125841 | 1 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2125841 | 2 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Missing required 1004 D | XXXX | Missing required XXXXD to validate value or required repairs. The appraisal was completed subject to favorable structural engineer's report or repairs if needed. The loan file does not contain a favorable structural engineer's report. This was conditioned for at prefund review. Subject must be in as-is value per the guidelines. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXXD and structural engineer report attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2125841 | 3 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Large Deposits/Unacceptable | XXXX | Assets - Large Deposits/Unacceptable. Recent large deposits were not adequately sourced and/or documented. The loan file contains no explanation for the large deposits reflected on the borrower's bank statement with XXXX XXXX on XX/XX/XXXX for $XXXX, XX/XX/XXXX for $XXXX0, XX/XX/XXXX for $XXXX and $XXXX, XX/XX/XXXX for $XXXX, XX/XX/XXXX for $XXXX. This was conditioned for at prefund review. The file also contained an asset reference letter dated XX/XX/XXXX from XXXX XXXX reflecting a more recent current balance of $XXXX. Transaction history missing from last statement balance on XX/XX/XXXX. It cannot be determined amount of closing funds that may be required and reserves as the final executed HUD missing from the file. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached additional documentation. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2125841 | 4 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | Cash-out refinance and the file is missing an executed letter of explanation confirming the funds are for business use as required per the guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> LOE on use of cash out funds attached. Borrower is recapitalizing for future real estate deals. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2125841 | 5 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing HUD | XXXX | The file is missing the final executed HUD to reflect escrows, payoff to XXXX, with loan amount of $XXXX, to ensure sufficient reserves and funds to close if applicable. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Final settlement statement attached. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> See final settlement statement for correct address. Please clear.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> HUD provided is not the subject property. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2125841 | 6 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | The lease on the subject property reflects the property is managed by a property management company, XXXX. The loan file is missing the property management agreement. This was conditioned for at prefund review. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> LOX on property management attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2125841 | 7 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | A VOM for the subject property secured by the mortgage with XXXX as reflects on the payoff statement was not provided to reflect a satisfactory mortgage payment history. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> VOM attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2125841 | 8 of 8 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2125843 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2125843 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The loan file did notcontain appraisal comments, a contractor scope of work, or paid invoices supporting the value increase of the subject property from the $XXXX purchase price in XXXX to the appraised value of $XXXX at application. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See updated appraisal report with comments. XXXXn review also provided - grade A.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2125843 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate - Missing | XXXX | The flood certificate is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached - Zone X<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2125843 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2133278 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2133278 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. Total market rent per appraisal is $XXXX per month. PITI is $XXXX per month, resulting in a DSCR of XXXX and would result in a max LTV of XXXX%. The proposed subject LTV is XXXX%, which exceeds XXXX for a DSCR below XXXX. The loan file contains leases for both units by the same tenant and reflect $XXXX per month for both units, or $XXXX total per month. In order to utilize rent higher than market value, the XXXX being XXXX% or $XXXX per month and a DSCR of XXXX, guidelines require XXXX most recent months cancelled checks or bank statements evidencing receipt of XXXX months rental income received prior to the application date. VOD in file reflects deposits of $XXXX on XX/XX/XXXX and XX/XX/XXXX; however, no documentation in the file supports these deposits are for the rent from the Tenant. The application date is XX/XX/XXXX and the credit report was pulled XX/XX/XXXX. The leases are both dated XX/XX/XXXX. In order to utilize the higher rent documentation verifying these deposits are in fact from the tenant and for the rent and/or an exception from the investor will be required. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached checks received from the Tenant on both units for XXXX and XXXX <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please see attached the approved GL exception in XXXX portal <br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> See attached GL exception approval.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX front copies of checks received, none of which are cancelled. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation not received. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2133278 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2125846 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2125846 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2125846 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. Noted, finding also made on prefund review. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached CDA<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2133279 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2133279 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Payoff is missing for the mortgage to be paid on subject property. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Payoff letter attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2133279 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | The appraisal reflects the property is tenant occupied and a lease in place per the XXXX; however, the loan file is missing a copy of the lease. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Lease attached.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> See attached property management contract. Please clear.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Please provide the Property Management Agreement. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2133279 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | The mortgage history in the loan file was incomplete or missing. The subject mortgage history is incomplete. Mortgage statements for XXXX/XXXX and XXXX/XXXX were provided from SPS Servicing; however, there is no XXXX month history to verify 0x30x12 in the loan file. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached VOM.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2133279 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129610 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129610 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | The loan file is missing a background check for the borrowing entity, XXXX XXXX. as required per the guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2129610 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | The Operating Agreement provided for the borrowing entity is not executed. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached signed OA<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2129610 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing a payoff from Select Portfolio Servicing for subject property as required per the guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2129610 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129608 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129608 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129608 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129612 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129612 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Other | XXXX | The file is missing the XXXX month Chain of Title as required per the guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached commitment, pave XXXX under Schedule A, #XXXX - chain of title provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (received)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2129612 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2133281 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133281 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133281 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129611 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129611 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129611 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports theappraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129609 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129609 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129609 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXXn report attached. Grade = A<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> See attached vision report.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Incorrect report provided. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2127774 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2127774 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing | XXXX | The application is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Final application provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2127774 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. No value supporting documentation was present in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CDA attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> CDA provided and supports original appraised value. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2133282 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2133282 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Contract Addendum - Missing | XXXX | The Contract Addendum for the $XXXX seller credit is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2133282 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Property Type | XXXX | The subject loan does not meet Program Parameters for Property Condition. The subject property condition is C4 per the appraisal, which is ineligible for the subject transaction. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached approved GL exception for C4 <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> See approved GL exception.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Investor approve to waive based on compensating factors. (Waived)<br>**  |  | Comp factors - XXXX, DSCR XXXX and Reserves $XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2133282 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The CDA is missing from the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2129362 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129362 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129362 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129321 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129321 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129321 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129307 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX prepayment term, the loan has a XXXX prepayment term. The loan fails the prepayment test by XXXX months. This loan failed the prepayment test. The loan has a prepayment amount that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum prepayment penalty amount of XXXX, the loan has a prepayment penalty amount of XXXX. The loan fails the prepayment test by XXXX. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2129307 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Email from agent stating all perils covered<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2129307 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2129323 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129323 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129323 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129319 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129319 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129319 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129341 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129341 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129341 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129368 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129368 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129368 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129369 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: the Notary date is missing for borrower one of the members/borrowers. (Y XXXX) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Note with the notary date<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2129369 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2129369 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The CDA did not support the value within a 10% variance. The loan file did not contain a CDA, Field Review, or 2nd Appraisal to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Field Review<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Field review provided and supports original appraised value. (Resolved)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Field review provided and supports original appraised value. As this is a 2nd valuation product, per the rating agencies this is grades and EV2. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2129355 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129355 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129355 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained an Appraisal Review dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129349 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129349 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Confirmation from the agent of all perils<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2129349 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129345 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129345 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129345 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX which supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129318 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129318 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129318 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Field review<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> CDA provided and supports original appraised value. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2129342 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129342 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129342 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129390 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129390 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129390 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129311 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129311 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129311 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129316 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan has a prepayment term. (XXXX. Comp. XXXX §438.31c(XXXX)(c) Under XXXX. Comp. XXXX §438.31c(XXXX)(c), a loan secured by a single-family dwelling unit shall not charge a prepayment feeor penalty in excess of XXXX% of the amount of any prepayment made within XXXX years of the date of the loan, or any prepayment fee or penalty at all thereafter, or prohibit prepayment at any time. This restriction does not apply to loans insured or guaranteed by the federal government or by any agency of the federal government | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2129316 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines. The guidelines require a background report including a search for liens and judgments for all guarantors. The loan file is missing the background report for borrower XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Background attempts and OFAC for both borrowers. Both borrowers are foreign nationals<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2129316 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> HOI perils from agent<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2129316 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2129356 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129356 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129356 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129356 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX which supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129332 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The date on the top of page XXXX is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Note with date on top of pg XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2129332 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129332 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX which supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129346 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129346 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | The borrower's credit report is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX&#XXXX;s credit report<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2129346 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129376 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129376 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129376 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX which supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129313 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129313 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129313 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129357 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129357 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129357 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129327 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129327 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129327 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129322 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129322 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The guidelines required property management questionnaire for all files. The loan file did not contain the required property management questionnaire. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> PMQ<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2129322 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA provided and supports original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129377 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129377 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> HOI agent confirming all perils<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2129377 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129324 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129324 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The investor guidelines required homeowners insurance to include liability protection/coverage. Provided policy does not reflect personal liability coverage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX has included liability within the coverage by default. No additional documentation or wording is required. This could be waived off.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2129324 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129312 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129312 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129312 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129347 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129347 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129347 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129391 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129391 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129391 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129335 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129335 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129335 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129333 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129333 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129333 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129334 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129334 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129334 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129348 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129348 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129348 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129360 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129360 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129360 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129309 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129309 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129309 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129308 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129308 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129308 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129378 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129378 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129378 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129367 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129367 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129367 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129314 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129314 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129314 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129363 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129363 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129363 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2129375 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129375 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129375 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA provided and supports original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129361 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129361 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129361 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129392 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129392 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129392 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129387 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129387 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129387 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129350 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129350 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129350 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129366 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129366 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129366 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129382 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129382 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129382 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129364 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129364 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129364 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129379 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX month prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2129379 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2129379 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2129328 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129328 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129328 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129340 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129340 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129340 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129365 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129365 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129365 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129371 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129371 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129371 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129393 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129393 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129393 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. It should be noted that the appraised value entered is $XXXX and the CDA value is also $XXXX, while the actual appraised value is $XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129388 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129388 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129388 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129336 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129336 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129336 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained an Appraisal Review dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129358 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129358 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129358 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129353 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129353 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129353 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA provided and supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129383 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129383 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129383 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129394 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129394 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129394 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129352 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129352 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129352 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129326 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2129326 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2129326 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2129372 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129372 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129372 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129329 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2129329 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2129329 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2129337 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129337 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129337 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129384 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129384 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129384 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129338 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129338 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129338 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129354 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129354 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129354 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129339 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129339 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129339 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129317 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129317 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129317 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied.The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129373 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129373 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129373 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129344 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129344 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129344 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129330 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129330 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129330 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129331 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129331 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129331 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a Desk Review dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129374 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129374 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129374 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129397 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129397 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129397 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129359 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2129359 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2129359 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2129398 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129398 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129398 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129385 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2129385 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2129385 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2129386 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129386 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129386 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121358 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2121358 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Missing required 1004 D | XXXX | Missing required XXXX to validate value or required repairs. The appraisal is completed "subject to repairs" and the file is missing the XXXX D to confirm repairs are complete. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXXD attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The large hole in the garage roof has been covered with a tarp. The repair is not permanent. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive based on compensating factors. (Waived)<br>**  |  | Comp factors - XXXX, Reserves $XXXX and DTI XXXX%. |  | 3 | 2 | 3 | 2 |
| XXXX | 2121358 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Other | XXXX | There are additional asset findings. Assets from the borrower's business account are needed to verify total funds needed to close plus reserves. Guidelines require a CPA letter or equivalent to confirm that the use of business fund will not impact business activities and this was missing from the file. Noted, a letter from the EA is in file; however, does not reference asset impact. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CPA letter attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2121358 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. The loan file is missing the co-borrower's credit report. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> This is a joint credit report. See attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2121358 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Missing P&L | XXXX | Missing most current Profit and Loss Statement as required by guidelines. Per guidelines, a YTD P&L is required and is missing from the file. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> P&L attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2121358 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2119369 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2119369 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2119369 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2128056 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2128056 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2128056 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2119367 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2119367 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2119367 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2128059 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. The final printed HUD-XXXX has not been signed by the borrower. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2128059 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2128059 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2128059 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2128058 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Final printed HUD-XXXX was not signed by borrower. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2128058 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2128058 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | The loan file contains a lender exception to allow both checking account funds and cash-out proceeds together to meet the XXXX months PITI reserve requirement. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: 0x30 on all mtgs, FICO 40 pts higher than min required |  | 2 | 2 | 2 | 2 |
| XXXX | 2128058 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2120454 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2120454 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2120454 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. CU score is XXXX (no other secondary product available). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> cda<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2120461 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2120461 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower - Identification | XXXX | The photo identification for both guarantors are missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2120461 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. The guidelines indicate that a credit report is required for every borrower, guarantor, and any majority member of a borrowing entity. The borrower, according to the note, is an entity and the note was signed by the XXXX members each owning XXXX% whom also each signed as individuals on the guaranty in the loan file. The loan file contained no credit reports for either owners of the borrowing entity, as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> credit report<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> XXXX is a non-qualifying guarantor should not be required. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Still missing credit report for XXXX XXXX. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2120461 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The operating agreement and articles of organization are missing from the loan file for the borrowing entity. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> operating agreement and articles of organization <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2120461 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2127002 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127002 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127002 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126993 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2126993 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. Credit report is required and missing from the loan file for the borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> credit report<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2126993 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The operating agreement for the entity is required and missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Operating agreement<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> XXXX operating agreement<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Still missing Operating Agreement for XXXX. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2126993 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | The mortgage history in the loan file was incomplete or missing. The mortgage history for the borrower's primary residence is missing and required per guidelines. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> loan was underwritten using the old XXXX, which do not require mortgage history on primary. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> The age of the guidelines shouldn&#XXXX;t matter. These were the guidelines in place at the time of origination and these were the guidelines used to underwrite the loan. Please have condition cleared. <br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> investor approved exception to use previous guidelines. Please have condition cleared. <br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Referenced guides were XXXX year old at origination. Exception required. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Unable to clear. Loan was delivered with updated guides. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive based oncompensating factors. (Waived)<br>**  |  | Comp factors - XXXX, LTV XXXX%, Reserves $XXXX and experienced investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2126993 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain a CDA to support the appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> per guidelines, CDA is only required when SSR score is greater than XXXX. Please see ssr and have condition cleared<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> guidelines showing that if SSR rating is less than XXXX then CDA isn&#XXXX;t required. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Guide indicates a CDA is required. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2126995 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2126995 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | The guidelines indicate a XXXX month VOR/VOM is required for the XXXX's primary residence and the subject property. The subject property was verified as owned free and clear, however, the loan file is missing a XXXX month VOR/VOM for the XXXX's primary residence (XXXX XXXX, XXXX). Additional Conditions May Apply | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> loan was underwritten using the old XXXX guidelines, which did not require vor/vom for primary property. please see attached guidelines<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> The age of the guideline shouldn&#XXXX;t matter. These were the guidelines in place at the time of origination. Please have condition cleared. <br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Investor has approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Referenced guides were XXXX year old at origination. Exception required. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> XXXX was delivered with the updated guides. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive based on compensating factors. (Waived)<br>**  |  | Comp factors - XXXX, LTV XXXX%, Reserves $XXXX and experienced investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2126995 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The guidelines indicate a signed letter from the borrower disclosing the purpose of the cash-out must be obtained on all cash-out transactions. The loan file is missing a signed letter from the borrower disclosing the purpose of the cash-out. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> business purpose<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2126995 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an ARR, ARA, CDA or Field Review to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ssr<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2126994 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2126994 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | The guidelines indicate a XXXX month VOR/VOM is required for the XXXX's primary residence and the subject property. The subject property was verified as owned free and clear, however, the loan file is missing a XXXX month VOR/VOM for the XXXX's primary residence (XXXX XXXX). Additional Conditions May Apply | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> loan was underwritten to the previous XXXX guidelines, which do not require vor/vom on primary. Please see attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> exception approved by investor. Please clear condition<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Referenced guides were XXXX year old at origination. Exception required. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive based oncompensating factors. (Waived)<br>**  |  | Comp factors - XXXX, Reserves $XXXX and experienced investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2126994 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The guidelines indicate a signed letter from the borrower disclosing the purpose of the cash-out must be obtained on all cash-out transactions. The loan file is missing a signed letter from the borrower disclosing the purpose of the cash-out. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> business purpose certification<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2126994 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2126992 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2126992 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Credit report for the borrower is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> credit report<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2126992 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. Provide certificate of incorporation/ articles of incorporation or equivalent to meet guideline requirements. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> incorporation docs<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> operating agreement <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Annual report does not address defect. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2126992 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | The mortgage history for the borrower's primary residence is missing and required per guidelines. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Loan was underwritten using the old guidelines. Please see attached guidelines which do not require primary housing history. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> exception approved by investor. please have cleared<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Referenced guides were XXXX year old at origination. Exception required. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive based oncompensating factors. (Waived)<br>**  |  | Comp factors - XXXX, DSCR XXXX and experienced investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2126992 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters. The loan term of XXXX years is only eligible with an interest only loan and the subject loan is verified as a XXXX year fixed P&I term. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> loan was underwritten using old guidelines. please see attached matrix allowing XXXX year loan term<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Referenced guides were XXXX year old at origination. Exception required. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive based oncompensating factors. (Waived)<br>**  |  | Comp factors - XXXX, DSCR XXXX and experienced investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2126992 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain a CDA as required per guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ssr score is less than XXXX so CDA is not needed. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Page XXXX states that a desk review is required and that if the Desk Review is greater than XXXX% of the appraised value then the CDA is required. The SSR is the Desk Review and it is showing that it&#XXXX;s within 10% of the appraised value. <br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> SSR guidance located in section 8.7.2 of guidelines.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Page XXXX of the guide requires a CDA. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> An SSR is not a XXXX Review. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Guidelines allow for SSR XXXX or under. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2131568 | 1 of 15 | XXXX | XXXX | XXXX | XXXX | Compliance | HOC - Missing | XXXX | The Homeownership Counseling Disclosure (HOC) is missing. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.20(a) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2131568 | 2 of 15 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Loan Estimate/Missing | XXXX | There is no evidence of a complete Loan Estimate provided in the loan file. As a result testing for timing and tolerance could not be completed. CFPB Title XXXX, Part XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX 2 (02/XXXX/XXXX XXXX2:53PM)<br> LE<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. An LE issued on XX/XX/XXXX has been provided. The application date is XX/XX/XXXX. Please provide a LE issued within XXXX days of the application. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2131568 | 3 of 15 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Other | XXXX | There are additional asset findings. Investor guidelines require asset documentation to be no more than XXXX days old as of the note date. The bank statement in file for XXXX was dated XX/XX/XXXX which was more than XXXX days old at the closing date of XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Bank Statements <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> November and December bank statements provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2131568 | 4 of 15 | XXXX | XXXX | XXXX | XXXX | Credit | AUS (Manual) - Missing | XXXX | The Manual AUS/XXXX is missing from the loan file. The loan file did not contain a loan approval or XXXX confirming the qualifying information for the subject loan as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> XXXX provided. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2131568 | 5 of 15 | XXXX | XXXX | XXXX | XXXX | Credit | Condo - Documentation | XXXX | Loan file did not contain the required XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Document provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2131568 | 6 of 15 | XXXX | XXXX | XXXX | XXXX | Credit | Condo - Liability Insurance | XXXX | The subject property is a XXXX, and the loan file does not contain a copy of the condo project's master hazard & liability policies as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Condo Master Policy <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Master Policy provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2131568 | 7 of 15 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. The loan file did not contain a Fraud Detection report as required by guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> XXXX provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2131568 | 8 of 15 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The origination credit report reflected a mortgage with XXXX with a monthly payment of $XXXX; however, the loan file did not contain a mortgage statement confirming that payment included escrows as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Credit showing pay history and mortgage statement showing escrows <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Mtg statement provided and confirms payment includes escrows for HOI and Taxes. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2131568 | 9 of 15 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate - Missing | XXXX | The flood certificate is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Flood certificate provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2131568 | 10 of 15 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Missing or Incomplete Lease Agreement | XXXX | Missing Lease agreement or not complete per guidelines. The Final XXXX indicated the XXXX reporting on the credit report, secured by the property located XXXX, with a monthly payment of $XXXX, was currently leased for $XXXX per month. The loan file did not contain a copy of the lease as required. The debt-to-income ration inclusive of the $XXXX mortgage payment was XXXX%. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Lease Income <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Copy of executed lease supporting $XXXX a month as well as copy of Security deposit and first months rent provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2131568 | 11 of 15 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Pay Stubs | XXXX | There are additional income findings. Investor guidelines require income documentation to be no more than XXXX days old as of the note date. The most recent paystub in file was dated XX/XX/XXXX which was more than XXXX days old at the closing date of XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Updated paystub <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Updated paystub provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2131568 | 12 of 15 | XXXX | XXXX | XXXX | XXXX | Credit | Sales Contract - Missing/Incomplete | XXXX | The sales contract for the subject transaction is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Purchase Contract <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Executed purchase contract provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2131568 | 13 of 15 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Missing/Incomplete | XXXX | The title commitment/policy is missing. The loan file did not contain either a Title Commitment or Title Policy as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Title Policy <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Title commitment provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2131568 | 14 of 15 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VVOE Salaried/Missing | XXXX | A VVOE is missing from the loan file. The loan file is missing a VVOE for the borrower dated within XXXX business days of the note date as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> VVOE<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> VVOE provided as required. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2131568 | 15 of 15 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX which supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2127000 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2127000 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | Missing required appraisal from file. The loan file contains only the CDA and invoice for XXXX for the actual appraisal supporting the value of $XXXX used at origination. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> appraisal<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2127000 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2126997 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2126997 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | The investor guidelines required a Fraud Report and XXXX check for all guarantors, covering all standard areas of quality control including criminal records and all property information. Required report was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> background report<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Criminal record search was completed, but no matches were found. This is reflected on page XXXX and XXXX of the report uploaded. Attached are the pages for reference. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Report does not contain criminal records search. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2126997 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The investor guidelines required windstorm and hail damage coverage. The subjects policy excluded coverage for these items. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HOI<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2126997 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2126999 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2126999 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The investor guidelines indicated loans amounts from $XXXXk - $XXXX/XXXX. The subject loan amount is $XXXXk and below the minimum loan amount. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> processor cert<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> exception approved by investor. Please have cleared. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Exception must be granted by Investor. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX score. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2126999 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HOI Policy<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2126999 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2126998 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2126998 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HOI<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> HOI Policy<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> All perils are not referenced. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2126998 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters. XXXX year loan terms are only eligible with an interest only payment per the matrix. The subject note supports fixed rate XXXX year term with P&I payments so it does not meet requirements. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exception approved by investor. please have cleared. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. Experienced Investor. XXXX% LTV. |  | 3 | 2 | 3 | 2 |
| XXXX | 2126998 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2127001 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the Settlement statement provided in the loan file was the FINAL binding Settlement statement, as it was not signed, stamped or certified. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2127001 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | Missing required appraisal from file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> appraisal<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2127001 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The background search for the borrower provided in the loan file contains a drug offense felony dated XX/XX/XXXX. This felony is outside of the XXXX year window indicated by investor guidelines and is not listed as a prohibited felony guidelines also state a felony conviction requires an exception from credit policy. The felony was not addressed at origination. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Only convictions within the last XXXX years need tobe reviewed/approved. This conviction is outside that window.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Per guidelines only felonies within XXXX years need approval. Listed felony was outside that timeline. (Void)<br>**  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2127001 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | Investor guidelines require liability insurance regardless of the type based on the "occurrence" basis with a limit of not less than $XXXX per property. The hazard insurance policy provided has dwelling and rent loss coverage but does not indicate a general or premises liability coverage amount. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HOI Policy<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Updated policy provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2127001 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. While the loan file is missing the required appraisal the loan file does contain a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2127003 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The XXXX disclosure, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2127003 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Contract - Missing | XXXX | The file contained no evidence of a properly executed sales contract. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> purchase contract<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2127003 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2127004 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2127004 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | Missing required appraisal from file. The loan file is missing the primary appraisal, only the invoice for a form XXXX and the CDA were provided at origination. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> appraisal and XXXXd<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2127004 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2133285 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133285 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133285 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133284 | 1 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2133284 | 2 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | The loan file is missing the appraisal report. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> appraisal<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> appraisal<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2133284 | 3 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The loan file contains an invoice for a CDA, however, the actual CDA is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> cda<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2133284 | 4 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Aged | XXXX | Per the guidelines, credit reports cannot be more than XXXX days from the XXXX date. The credit reports for the borrower dated XX/XX/XXXX and for the co-borrower dated XX/XX/XXXX are expired as of the Note date XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> credit reports<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> credit report<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Credit report for XXXX is expired. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2133284 | 5 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Per the guidelines, a fraud report and background check dated within XXXX days of the Note date are required for all borrowing entities and guarantors. The file is missing the required documentation. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> background check<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2133284 | 6 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HOI Policy<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> HOI Policy<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2133284 | 7 of 7 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> cda<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2130357 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2130357 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided to allow cash-out refi for borrower with a XXXX credit score less than the minimum required FICO of XXXX. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX+ Years in primary, Favorable DSCR XXXX |  | 2 | 2 | 2 | 2 |
| XXXX | 2130357 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2116187 | 1 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | HOC - Missing | XXXX | The Homeownership Counseling Disclosure (HOC) is missing. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.20(a) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2116187 | 2 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR 1026.43(b)(4), (e)(1)). This loan does not qualify for a safe harbor. The loan has an APR of XXXX%. The APR threshold to qualify for a safe harbor is XXXX. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2116187 | 3 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | State Disclosure - Texas Home Equity Loan Consumer Disclosure (12-Day Letter)/Missing | XXXX | The XXXX Consumer Disclosure (XXXX-Day Letter) is Missing. Required to be provided in connection with a XXXX. XXXX Constitution - Home Equity Loan Provisions XXXX. Const. art. XVI, 50(a)(6)(M)(i), 50(g); XXXX XXXX. Admin. Code XXXX, XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX day letter <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2116187 | 4 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX, Credit Repot Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2116187 | 5 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | XXXX | Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CD <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2116187 | 6 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Loan Estimate/Missing | XXXX | There is no evidence of a complete Loan Estimate provided in the loan file. As a result testing for timing and tolerance could not be completed. CFPB Title XXXX, Part XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX 2 (01/XXXX/XXXX XXXX:18PM)<br> LE<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The referenced documentation was not received. Please provide for review. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2116187 | 7 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. Guidelines require a Gap Credit Report within XXXX days of the Note date. Credit report in file is dated XX/XX/XXXX and the Note date is XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Updated Credit Report<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2116187 | 8 of 8 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2130356 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2130356 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | According to guidelines co-insurance is not acceptable. XXXX provided to allow co insurance. Determined non-material based on compensating factors (waived) | Waived |  |  |  | comp factors : XXXX LTV XXXX experienced investor |  | 2 | 2 | 2 | 2 |
| XXXX | 2130356 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2128060 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2128060 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | The background report to include a lien and judgment search is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2128060 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2128064 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2128064 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: Loan Agreement Exhibit B is missing the date of intent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED EXHIBIT B-<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2128064 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2128064 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2128062 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2128062 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided to allow for the purchase of a property in rural area. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Excess reserves greater than XXXX months, XXXX+ year credit history |  | 2 | 2 | 2 | 2 |
| XXXX | 2128062 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2133226 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2133226 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow no lease on property rented month to month. XXXX guidelines lease is required if the property is currently being rented. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX score XXXX, DSCR greater then XXXX%. |  | 2 | 2 | 2 | 2 |
| XXXX | 2133226 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2133226 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2133227 | 1 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2133227 | 2 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Condo - Other | XXXX | Guidelines state on condominiums a single entity may own additional units within the complex, but the maximum individual concentration allowed is XXXX%. Per the questionnaire the builder owns XXXX units at XXXX% ownership the questionnaire also states they are rented out with no plans to list for sale. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: FICO XXXX points greater than min required, Experienced Investor |  | 3 | 2 | 3 | 2 |
| XXXX | 2133227 | 3 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Condo - Other | XXXX | Guidelines state the XXXX allowed investor concentration is XXXX% on condominiums per the appraisal and the condo questionnaire the lender concentration is at XXXX% making the loan ineligible for financing. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: FICO XXXX points greater than min required, Experienced Investor |  | 3 | 2 | 3 | 2 |
| XXXX | 2133227 | 4 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Condo - Other | XXXX | Per the condo questionnaire the subject is a condo conversion, guidelines require management approval on all condominium conversions which was not located within the loan file. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: FICO XXXX points greater than min required, Experienced Investor |  | 3 | 2 | 3 | 2 |
| XXXX | 2133227 | 5 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing required STR Documents | XXXX | Guidelines require rents for a lookback period of XXXX months and a copy of future bookings for the subject property. There was a XXXX statement provided for XXXX but there are no names listed on the statement verifying to whom the account belongs, the online listing for the subject was also not located within the loan file. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached statement showing the address of the property. This property is for an STR property the borrower used to own but sold – however it is within the XXXX year lookback period for ownership requirement – the property address is at the top left. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please see attached for XXXX. XXXX property is a purchase.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Please see exception attached and appraisal using XXXX% of the Projected Annual Revenue (XXXX a month). Market Rent has been determined by an STRpro & STRpro reflects a more conservative XXXX (XXXX% vs. XXXX%)<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Still missing online listing and any future bookings for the subject property. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> STR docs for XXXX are sufficient. Please provided the subject property STR listing and any existing future bookings. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: FICO XXXX points greater than min required, Experienced Investor |  | 3 | 2 | 3 | 2 |
| XXXX | 2133227 | 6 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The subject closed as a short term rental, guidelines require the borrower have a history of owning and managing a minimum of one vacation rental in the same short term rental market for at least XXXX months in the past XXXX months. The verification of the borrower owning additional properties, including a short term rental were not located within the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2133227 | 7 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow XXXX months reserves on a purchase instead of the XXXX months required due to FICO below XXXX. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: FICO XXXX points greater than min required, Experienced Investor |  | 2 | 2 | 3 | 2 |
| XXXX | 2133227 | 8 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow a short term rental to use XXXX% of the projected rent instead of the XXXX% required. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: FICO XXXX points greater than min required, Experienced Investor |  | 2 | 2 | 3 | 2 |
| XXXX | 2133227 | 9 of 9 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA provided and supports original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2128063 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Mortgage Pg XXXX is missing the borrowers initials. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> pg XXXX of mortgage <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2128063 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The Loan file is missing the required background check for entity,XXXX, to include liens and judgments. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> background<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2128063 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow to extend credit report expiration for XXXX days. Extend to XX/XX/XXXX expiration. XXXX guidelines state credit report is only good for XXXX days. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX score XXXX, years at primary residence XXXX years, LTV XXXX%. |  | 2 | 2 | 3 | 2 |
| XXXX | 2128063 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2133228 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2133228 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided for condo project that was converted from from apartments to condos in XXXX. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Excess reserves greater than XXXX months, XXXX+ year credit history |  | 2 | 2 | 2 | 2 |
| XXXX | 2133228 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided to allow a XXXX day extension for credit report that expired on XX/XX/XXXX. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Excess reserves greater than XXXX months, XXXX+ year credit history |  | 2 | 2 | 2 | 2 |
| XXXX | 2133228 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided to allow financing for a project with a current delinquency percentage of XXXX% (XXXX of XXXX units). Determined non material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Excess reserves greater than XXXX months, XXXX+ year credit history |  | 2 | 2 | 2 | 2 |
| XXXX | 2133228 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2119368 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2119368 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2119368 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2128065 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: Prepayment XXXX is incomplete | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED- <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2128065 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The required background check for XXXX is missing from the loan file. |  | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED ENTITY BACKGROUND REPORT<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2128065 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2128061 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> he documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2128061 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2128061 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2128068 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2128068 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided to allow an investor without XXXX months investment experience within the last XXXX years. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Favorable DSCR XXXX, LTV XXXX% |  | 2 | 2 | 2 | 2 |
| XXXX | 2128068 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2128069 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2128069 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2128069 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2128070 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2128070 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided to allow use of co - insurance . Determined non-material based on compensating factors (waived). | Waived |  |  |  | comp factors: excess reserves, experienced |  | 2 | 2 | 2 | 2 |
| XXXX | 2128070 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. the loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2130360 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Note Pg XXXX is missing the borrowers initials. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> pg XXXX of note<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2130360 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2130360 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2128066 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2128066 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan file contains a lender exception to allow co-insurance on the subject which guidelines do not allow. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX+ mons XXXX, DSCR >XXXX |  | 2 | 2 | 2 | 2 |
| XXXX | 2128066 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2128067 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2128067 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Mortgage is missing Pages XXXX-XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Docs provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient toclear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2128067 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Per the guidelines, a background report including a liens and judgments search is required on the borrowing entity XXXX. The background check within the loan file for XXXX does not include a search for liens and judgments. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Still missing No-Hit for XXXX<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Screenshot of No Hit provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2128067 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2128072 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2128072 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2128072 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2128072 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2130361 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2130361 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2130361 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2133229 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2133229 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2133229 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2133224 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133224 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133224 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2130359 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2130359 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender excetion to waive escrow impiouns for a borrower with a XXXX XXXX score. XXXX guidelines require a minimum fico XXXX. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: LTV is less than maximum LTV, assets exceed required reserves by XXXX months, and borrowr has three plus investment properties. |  | 2 | 2 | 2 | 2 |
| XXXX | 2130359 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2133222 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The borrowers initials are missing from Pg XXXX of the Note. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> pg XXXX of note<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2133222 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2133222 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2128075 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2128075 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Borrower XXXX is XXXX%/XXXX% owner of the borrowing entity, XXXX, with a non-borrower, XXXX. Lender guidelines require a Personal Guaranty to be signed by one or more owners representing a majority ownership (XXXX%). The loan file contained the signed Personal Guaranty by both guarantors as required. However, the loan file did not contain XXXX) limited application that includes name, address, date of birth, social security number and citizenship XXXX) authorization for credit report XXXX) background check, for the non-borrowing guarantor a required. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> guarantor docs<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2128075 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2126905 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2126905 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | Per the appraisal photos there are bars on the front and rear of the subject property, there are no visible safety latches/quick releases or noted within the loan file. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Photos provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Photos show quick release latches as required. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2126905 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2133225 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2133225 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception for changes in business structure after application date. The borrower originally applied in July, but this was not XXXX months from purchasing. The Lender never declined the application but kept it open and used the same application when seasoning requirements were met in December. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX score XXXX, borrower has excess reserves after closing $XXXXk plus, DSCR XXXX%, LTV XXXX%. |  | 2 | 2 | 2 | 2 |
| XXXX | 2133225 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a Lender exception to borrower with no active tradeline for XXXX months, but borrower does have the credit lines. XXXX guidelines require one active tradeline for XXXX months and two tradelines rated XXXX months open or closed. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX score XXXX, borrower has excess reserves after closing $XXXXk plus, DSCR XXXX%, LTV XXXX%. |  | 2 | 2 | 2 | 2 |
| XXXX | 2133225 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2133218 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2133218 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided to allow credit report dated XX/XX/XXXX set to expire prior to note date on XX/XX/XXXX. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Experienced Investor, Favorable DSCR XXXX |  | 2 | 2 | 2 | 2 |
| XXXX | 2133218 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2128071 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2128071 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow XXXX days on the credit report to be used. XXXX guidelines require a valid credit report for only XXXX days. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: DSCR XXXX, years at present address XXXX years, excess reserves $XXXX. |  | 2 | 2 | 2 | 2 |
| XXXX | 2128071 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2133220 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2133220 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to accept the transferred appraisal "as is" (unable to obtain requested corrections). Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: DSCR greater than XXXX%, years at present address XXXX and half years and is an experienced investor (currently managing four plus rentals). |  | 2 | 2 | 2 | 2 |
| XXXX | 2133220 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2128074 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2128074 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow XXXX days on the credit report to be used. XXXX guidelines require valild XXXX days for credit reports. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Excess reserves XXXX, years at present address XXXX years. |  | 2 | 2 | 2 | 2 |
| XXXX | 2128074 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2133221 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2133221 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2133221 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2128080 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2128080 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided to allow borrower living rent free and newly vacant with no proof of XXXX months rent. Determined non-material based on compensating factors (waived). | Waived |  |  |  | comp factors: LTV XXXX%, excess reserves |  | 2 | 2 | 2 | 2 |
| XXXX | 2128080 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2133215 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2133215 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2133215 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2128078 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2128078 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided for "to accept a private vom without supporting XXXX months cancelled checks." Determined non-material based on compensating factors (waived). | Waived |  |  |  | comp factors: FICO XXXX experienced investor primary residence over XXXX years |  | 2 | 2 | 2 | 2 |
| XXXX | 2128078 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2130365 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2130365 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Borrower1 was XXXX%/XXXX% owner of the borrowing entity, XXXX, with a non-borrower, XXXX. Lender guidelines require a Personal Guaranty to be signed by one or more owners representing a majority ownership (XXXX%). The loan file contained the Guaranty for both guarantors as required. However, the loan file did not contain a XXXX) limited application that includes name, address, date of birth, social security number, and citizenship XXXX) authorization for credit report XXXX) background check as required. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Still missing No-Hit results for XXXX. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2130365 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow financing to continue in a project that has a right of first refusal deed restriction. XXXX guidelines state properties with deed restrictions are ineligible (with the exception to properties with age requirements). Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Excess Reserves greater than XXXX months, DSCR greater than XXXX, LTV/CLTV XXXX%, XXXX score XXXX. |  | 2 | 2 | 3 | 2 |
| XXXX | 2130365 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow the loan to proceed without full rent loss coverage. Borrower has sufficient assets to cover required amount. XXXX requires XXXX months' rent loss coverage. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Excess Reserves greater than XXXX months, DSCR greater than XXXX, LTV/CLTV XXXX%, XXXX score XXXX. |  | 2 | 2 | 3 | 2 |
| XXXX | 2130365 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2133216 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2133216 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing the ACH required on all cash out refinances with an LTV greater than XXXX% filled out and signed/dated by the borrower. Additional conditions may apply. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> exception<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX DSCR. Experienced Investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2133216 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2133217 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2133217 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2133217 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2130363 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2130363 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2130363 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2130366 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: XXXX has been left blank. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED LEGAL<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2130366 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Name Discrepancy | XXXX | The entity name on the Note is above the signature line, AND "By" is in front of the signature, AND there is evidence in the file the signee is authorized to sign on behalf of the entity we will cite this as an EV2 exception. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2130366 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The entity name on the Mortgage and XXXX-XXXX Rider is above the signature line, AND "By" is in front of the signature, AND there is evidence in the file the signee is authorized to sign on behalf of the entity we will cite this as an EV2 exception. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2130366 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The subject loan was delivered as a XXXX% LTV cash out refinance with a qualifying credit XXXX. Lender guidelines require an Automatic Payment Authorization (ACH) Form to be included in the loan file for the cash out refinance, and the file did not contain the required AHC Form as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED ACH.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2130366 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing, the required entitydocumentation Borrowing Resolution granting authority of signer to enter loan obligation per XXXX guidelines. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2130366 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA provided and supports original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2128077 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2128077 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2128077 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2133210 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2133210 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2133210 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2130368 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2130368 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2130368 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2130368 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2128076 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2128076 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The loan file contains a lender exception to allow financing on a property with a XXXX filed by the HOA that has since been paid and is current. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: FICI XXXX pts higher than min, Experienced investor |  | 2 | 2 | 3 | 2 |
| XXXX | 2128076 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The amount of rent utilized was $XXXX but the market rent is $XXXX and the lease is $XXXX, the lesser of the XXXX amounts of $XXXX should be used to calculate the DSCR. This causes the DSCR to drop to XXXX, the max LTV allowed per guidelines is XXXX% LTV but the loan closed at XXXX% LTV. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> can use lease amount up to XXXX% of survey, not to exceed XXXX DSCR<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2128076 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2128082 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2128082 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. The Final HUD-XXXX has not been signed by borrower. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2128082 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2128082 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2128082 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2130369 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2130369 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guidelines require all members of the LLC to execute the resolution acknowledging the current loan. XXXX which is XXXX% owner of XXXX did not execute the resolution it was executed as the borrower being XXXX% owner. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Request to revisit. There is an assignment of rights from XXXX all to XXXX which changes ownership to XXXX% to XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2130369 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow financing on a rural property which requires management approval. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX, XXXX+ yr credit history |  | 2 | 2 | 3 | 2 |
| XXXX | 2130369 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2128085 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2128085 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow cash-out financing on a rural property which is an unacceptable property type per guidelines. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Over XXXX mons PITI, Experienced investor |  | 2 | 2 | 2 | 2 |
| XXXX | 2128085 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2133212 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2133212 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2133212 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | According to guidelines all guarantors are required to provide a limited application which includes the name, address, date of birth, Social Security Number, and citizenship, authorization for a credit report and background report, with credit scores meeting the minimum qualifying score, and Identification documentation such as a driver's license or passport for all guarantors. The loan file contained a driver's license; however, did not contain any of the other required documentation for the non-borrowing guarantor, XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2133212 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided to allow for fico score below XXXX with a XXXX% LTV. Determined non-material based on compensating factors (waived). | Waived |  |  |  | comp factors: Mortgage history , primary residence over XXXX years, dscr over XXXX% |  | 2 | 2 | 3 | 2 |
| XXXX | 2133212 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2133211 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2133211 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2133211 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2130367 | 1 of 10 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the the Borrowers. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED UPDATE<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2130367 | 2 of 10 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete:The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2130367 | 3 of 10 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following sections of the Note are incomplete: Exhibit B is missing the Entity's name and the Lender's name | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED XXXX WITH COMPELTE EXHIBIT B.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2130367 | 4 of 10 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following sections of the Note are incomplete: The Notary Acknowledgment on XXXX was not completed by the XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED UPDATE_WITH LENDER SIGNATURE<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2130367 | 5 of 10 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Name Discrepancy | XXXX | XXXX. Page one of the Loan Agreement lists the borrowers as individual members in the "For Value Received" section. It should list the entity name | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached XXXX corrections<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2130367 | 6 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | Missing required appraisal from file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> SEE ATTACHED <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2130367 | 7 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The loan file is missing verification of HOA dues for XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Property profile in file reflects HOA dues per month. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2130367 | 8 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The required background check for XXXX is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> SEE ATTACHED BACKGROUND<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2130367 | 9 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Per guidelines: "Modifications to the entity ownership structure after the application date in general are not accepted. Any modification made to the ownership structure after the application date must be approved by management". Per the addendum in file the ownership structure of "Luxury Residential" was modified on XX/XX/XXXX. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED EXCEPTION<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX% LTV. XXXX% DTI. |  | 3 | 2 | 3 | 2 |
| XXXX | 2130367 | 10 of 10 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> SEE ATTACHED.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2128081 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2128081 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2128081 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2130370 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2130370 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Borrowers name is missing from Pg XXXX of the Loan Agreement. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED - ALSO EXECUTED BY LENDER<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2130370 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow the purchase of the subject property with a deed restriction for age restriction of XXXX and older. XXXX guidelines state deed restrictions not allowed. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX score XXXX, XXXX years at present address, DSCR ratio XXXX. |  | 2 | 2 | 3 | 2 |
| XXXX | 2130370 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2130372 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2130372 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2130372 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2128084 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2128084 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Condo - Other | XXXX | The loan file contains a lender exception to allow financing on a non-warrantable condo with XXXX% investor concentration when the XXXX allowed is XXXX%. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: LTV XXXX% less than XXXX, XXXX+ mons PITI |  | 2 | 2 | 2 | 2 |
| XXXX | 2128084 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow XXXX% of the market rent on a short-term rental, guidelines state only XXXX% can be utilized. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: LTV XXXX% less than XXXX, XXXX+ mons PITI |  | 2 | 2 | 2 | 2 |
| XXXX | 2128084 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow DSCR purchase financing for a first time investor with a short-term rental. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: LTV XXXX% less than XXXX, XXXX+ mons PITI |  | 2 | 2 | 2 | 2 |
| XXXX | 2128084 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2128088 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2128088 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2128088 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda datedXX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2130373 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2130373 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The loan file contains a lender exception to allow a transferred appraisal on a XXXX-XXXX unit property, guidelines require management approval. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX+ mons XXXX, DSCR >XXXX |  | 2 | 2 | 3 | 2 |
| XXXX | 2130373 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Per the guidelines, a background report including a liens and judgments search is required on the borrowing entity. The loan file contained a background check with status but the background including the liens and judgments was not located within the loan file for XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2130373 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2128086 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2128086 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Per the guidelines a background check for the entity that includes a search for liens and judgments is required. The loan file is missing the background check for entity XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2128086 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2133213 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Upheld | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is not sufficient to clear the finding. the HUD provided is not signed or stamped to be true and certified; cannot determine if the HUD is Final. (XXXX)<br>**  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2133213 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2133213 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2133213 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2131569 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2131569 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate - Missing | XXXX | The flood certificate is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Flood cert provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2131569 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> HOI<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> HOI provided and includes all required endorsements. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2131569 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The hazard insurance policy in the loan file does not include rent loss coverage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> HOI<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> HOI policy provided with rent loss coverage. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2131569 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2128089 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2128089 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Cash to Close | XXXX | The loan file is missing the final CD/ HUD from therefinance of XXXX XXXX verifying net proceeds to the borrower of no less than $XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2128089 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The loan file is missing verification of the terms of the refinance of XXXX XXXX verifying it is a bridge loan with no payments due. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2128089 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The lender provided an exception to allow for a rural property. Considered non-material based on compensatingfactors (waived). | Waived |  |  |  | Compensating factors: XXXX, XXXX mos reserves |  | 2 | 2 | 3 | 2 |
| XXXX | 2128089 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA provided and supports original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2128087 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Non-Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a non-compliant HPML due to the following: appraisal report was not provided at least XXXX days prior to consummation. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided makes the loan a compliant HPML. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2128087 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | State HPML | XXXX | This loan failed the XXXX XXXX higher-priced mortgage loan test. (XXXX XXXX, XXXX Financial Code Division XXXX 4995(a)). The loan is a non-compliant HPML due to the following: appraisal report was not provided at least XXXX days prior to consummation. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided makes the loan a compliant HPML. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2128087 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in XXXX (Regulation Z) 12 CFR 1026.38(a)(5)(iv)2 | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2128087 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2128087 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2128087 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2130371 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2130371 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | The full XXXX condominium appraisal report cannot be located within the loan file, only the photos and market rent were located. Reviewer cannot verify if the subject is not in a declining market or the if the zoning is acceptable. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> appraisal<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2130371 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Condo - HOA Dues | XXXX | Verification of the HOA dues used $XXXX cannot be located within the loan file, once all pages of the appraisal are provided the HOA dues can be verified. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HOA amount stated on the appraisal<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2130371 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2128090 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2128090 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2128090 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2130376 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2130376 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided to allow a property located in a rural market area. Determined non-material based on compensating factors (waived). | Waived |  |  |  | comp factors dscr XXXX XXXX months reserves fico XXXX |  | 2 | 2 | 2 | 2 |
| XXXX | 2130376 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | CDA did not support original appraised value within - XXXX% but client guidelines allow the lower of the valuation value to be used. Per the rating agencies this is allowed but would be an EV2 grade (Acknowledged) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2128092 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in XXXX (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2128092 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. XXXX, Credit Report Fee. However, these fees should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2128092 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The loan file is missing verification that the refinancedloan on XXXX #XXXX is a bridge loan with no payments due. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please advise as this transaction is for XXXX XXXX<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> To confirm, the property in question is XXXX XXXX or XXXX ?<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Apologies. Should be #XXXX. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Upon Senior Management Review, the bridge loan is with client (XXXX) and their guidelines defer the payment on the bridge loan until that loan matures. (Void)<br>**  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2128092 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The lender provided an exception to waive the need for 2yrs1099's. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX, Low LTV |  | 2 | 2 | 2 | 2 |
| XXXX | 2128092 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2130377 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2130377 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2130377 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2128095 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2128095 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2128095 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2128093 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2128093 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2128093 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2128091 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2128091 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | XXXX appraisal was transferred from XXXX. There was an appraisal transfer letter located within the loan file but could not be located on the original lenders' letterhead which is required by the guidelines. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exception<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX DSCR. Experienced Investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2128091 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2133207 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133207 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133207 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2130375 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HOEPA (High Cost)/Points & Fees | XXXX | The loan failed the high-cost mortgage (HOEPA) points and fees threshold test due to the following: The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of thetotal loan amount of $XXXX. The following points and fees were included in the calculation: XXXX Fee $XXXX, Entity Fee [ Lender Closing Fee ] $XXXX, Mortgage Broker Fee (Indirect) $XXXX, Points - Loan Discount Fee $XXXX, Underwriting Fee $XXXX. An Undiscounted/PAR Rate was not located in the loan file in order to determine if the Points were bona fide. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The undiscounted rate is XXXX%. Please see the attached Comp Report<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2130375 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | ROR - Non-Borrower/Missing | XXXX | The file contains no evidence that the Right to Cancel was provided to the non-borrower.. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Request to confirm the required signatures. Guarantors are not required to execute the RTC.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2130375 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in XXXX (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2130375 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception requesting permission to close this primary refinance in an LLC as that is how the loan is already vested. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX score XXXX, DTI less than XXXX%, years on job/employment XXXX years and borrower has been at primary residence for over XXXX years. |  | 2 | 2 | 3 | 2 |
| XXXX | 2130375 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Borrower XXXX was XXXX%/XXXX%/XXXX%/XXXX% owner of the borrowing entity, XXXX, with non-borrowers, XXXX, XXXX. Lender guidelines require a Personal Guaranty to be signed by one or more owners representing a majority ownership (XXXX%). However, the loan file did not contain XXXX) a limited application that included name, address, date of birth, social security number and citizenship XXXX authorization for credit report XXXX) background check and XXXX) picture XXXX a a driver's license, passport, or similar for each guarantor, for the non-borrowing guarantor as required. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See the attached guarantor packages<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Guarantor package for XXXX uploaded under XXXX. Request to revisit.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Still missing Guarantor package for XXXX. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2130375 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2130378 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2130378 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The lender provided an exception to allow for a borrower who lives rent free within XXXX miles of the subject property. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX, XXXX mos reserves |  | 2 | 2 | 2 | 2 |
| XXXX | 2130378 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The lender provided an exception to allow for a transferred appraisal on a XXXX-XXXX unit property. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX, XXXX mos reserves |  | 2 | 2 | 2 | 2 |
| XXXX | 2130378 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2130381 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2130381 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Miscalculated/DTI Exceeds Tolerance | XXXX | The income is miscalculated and it appears a XXXX% vacancy factor was not applied. The revised negative net rent using the XXXX% vacancy factor was $XXXX which increased the DTI to XXXX%. The lender used $XXXX. XXXX guidelines state a XXXX% vacancy factor must be applied to the gross rent used for qualifying. Additional conditions may apply. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exception<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Lender exception provided to all XXXX% of rent to be used.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Form received is not an exception for the subject defect. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Lender approved exception to waive and use XXXX% rental income brining DTI down to XXXX% and under XXXX%. Compensating factors added. (Waived)<br>**  |  | Compensating factors: XXXX score XXXX, more than XXXX months reserves, experienced investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2130381 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The loan file contains a lender exception for a XXXX% LTV on a rate and term refinance. XXXX guidelines state XXXX% LTV on rate and term refinance. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX score XXXX, more than XXXX months reserves, experienced investor. |  | 2 | 2 | 3 | 2 |
| XXXX | 2130381 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2133208 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2133208 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2133208 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2129399 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129399 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The loan file did not contain a copy of a 3rd party Fraud Detection Report as required by lender guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> XXXX <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX received is not for the subject borrower. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2129399 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> CDA provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> DVR received is not for the subject property. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> CDA provided and supports original appraised value. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2133203 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2133203 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2133203 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2130380 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2130380 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2130380 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2130380 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2130379 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2130379 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing the XXXX required on all cash out refinances with an LTV greater than XXXX%. File is missing the signed/dated completed ACH. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ACH form attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2130379 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2128094 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2128094 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2128094 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2130382 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Non-Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a non-compliant HPML due to the following: The loan is a non-compliant HPML. Appraisal requirements have not been met. There is no evidence in the loan file that the appraisal report was not provided at least XXXX days prior to consummation. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> proof of delivery<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The loan is a compliant Federal HPML, XXXX requirements are not applicable. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2130382 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in XXXX (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2130382 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The lender provided an exception to allow for a rural property. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX mos reserves, low DTI |  | 2 | 2 | 3 | 2 |
| XXXX | 2130382 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2130385 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2130385 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines, all guarantors must provide the following: XXXX) A limited application that includes their name, address, date of birth, social security number, and citizenship XXXX) An authorization to obtain a credit report and background report XXXX) Identification documentation as in a driver's license, passport, or similar. The loan file is missing the required documentation for XXXX XXXX (XXXX% ownership of XXXX). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2130385 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2130386 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2130386 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The XXXX did not sign the Mortgage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> signed mortgage<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2130386 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2130386 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2128100 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2128100 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan is a cash-out refinance at XXXX% LTV; guidelines require the borrower to complete and sign the ACH form being the LTV is over XXXX% but the completed form was not located within the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2128100 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2133204 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2133204 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow an LTV of XXXX% for a project with a current investor concentration of XXXX%. (XXXX guidelines require XXXX% maximum). Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: DSCR greater than XXXX, experienced investor, borrower has lived in primary residence for XXXX plus years. |  | 2 | 2 | 2 | 2 |
| XXXX | 2133204 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains the exception of the lender to allow a borrower with a XXXX fico score to finance a non-warrantable condo proect (Investor concentration). Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: DSCR greater than XXXX, experienced investor, borrower has lived in primary residence for XXXX plus years. |  | 2 | 2 | 2 | 2 |
| XXXX | 2133204 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2133201 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The Security Instrument was not completed accurately. Pages XXXX-XXXX are over lapped with other pages making it illegible. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> See the attached DOT<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2133201 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | The loan file is missing background report including judgment and XXXX search. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> See the attached No Hit and Background reports<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2133201 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See the attached All Perils coverage<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2133201 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached CDA.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> CDA provided and supports original appraised value. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2130383 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2130383 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2130383 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2130384 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2130384 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2130384 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2128098 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2128098 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The loan file contains a lender exception with an as-is appraisal allowing borrower provided photos for some work mentioned on the appraisal instead of requiring a 1004D. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: DSCR >XXXX, XXXX+ mons PITI |  | 2 | 2 | 2 | 2 |
| XXXX | 2128098 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2128099 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2128099 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines a ACH form is required for cash-out refinances with an LTV exceeding XXXX%. The completed ACH form is missing from the loan file. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX DSCR. Experienced Investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2128099 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2133198 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2133198 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2133198 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2130390 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2130390 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Borrower XXXX is XXXX%/XXXX% owner of the borrowing entity, XXXX, with non-borrower, XXXX. Lender guidelines require a Personal Guaranty to be signed by one or more owners representing a majority ownership (XXXX%). The loan file contained the signed Personal Guaranty by both guarantors as required. However, the loan file did not contain XXXX) a limited application that includes name, address, date of birth, social security number and citizenship XXXX) authorization for credit report XXXX) background check and XXXX) a picture XXXX as a driver's license, passport, or similar for each guarantor, for the non-borrowing guarantor XXXX as required. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2130390 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2133200 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133200 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133200 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133199 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2133199 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2133199 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2130389 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2130389 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2130389 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2130388 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2130388 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2130388 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2133196 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2133196 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement is missing documents - Exhibit A (Definition of Terms), Exhibit B (Compliance Certificate), and Exhibit C (Description of Property). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2133196 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided to allow cash-out refi for Borrower with XXXX less than required XXXX. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Repeat XXXX Client, DSCR greater than XXXX |  | 2 | 2 | 3 | 2 |
| XXXX | 2133196 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines for cash-out refinances for borrowers with a FICO less than XXXX requires the completion of an ACH form. The completed ACH form is missing from the loan file. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: Repeat XXXX Client, DSCR greater than XXXX |  | 3 | 2 | 3 | 2 |
| XXXX | 2133196 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2133194 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2133194 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow a five point XXXX. XXXX guidelines requirement is a minimum of a XXXX Fico Score for a rate and term refinanced. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX client, DSCR greater than XXXX%. |  | 2 | 2 | 2 | 2 |
| XXXX | 2133194 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2128097 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Lender signature provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The lender signature provided is sufficient to clear the exception. (resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2128097 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing the ACH requirement. The ACH is required on all cashout refinances with an LTVgreater than XXXX%. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See the attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2128097 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow rent free within XXXX miles of subject property. XXXX guidelines state living rent free and within XXXX miles of subject property is not eligible. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX, DSCR greater than XXXX, assets exceed required reserves by XXXX months. |  | 2 | 2 | 3 | 2 |
| XXXX | 2128097 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow the subject property being listed and was withdrawn XXXX days prior to the application date. XXXX guidelines require (Waived) | Waived |  |  |  | Compensating Factors: XXXX, DSCR greater than XXXX, assets exceed required reserves by XXXX months. |  | 2 | 2 | 3 | 2 |
| XXXX | 2128097 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception, the borrower does not meet tradeline requirements. (Waived) | Waived |  |  |  | Compensating Factors: XXXX, DSCR greater than XXXX, assets exceed required reserves by XXXX months. |  | 2 | 2 | 3 | 2 |
| XXXX | 2128097 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2133197 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2133197 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2133197 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2133195 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2133195 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2133195 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2133195 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2133195 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2130393 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2130393 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided to accept current dwelling coverage at $XXXX even though it doesn't meet the guidelines of at least XXXX% of the replacement cost value. Determined non-material based on compensating factors (waived). | Waived |  |  |  | comp factors: XXXX years at present address, DSCR 1.XXXX XXXX |  | 2 | 2 | 2 | 2 |
| XXXX | 2130393 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided to allow a transfered appraisal that is XXXX days aged. Determined non-material based on compensating factors (waived). | Waived |  |  |  | comp factors: XXXX years at present address, DSCR 1.XXXX XXXX |  | 2 | 2 | 2 | 2 |
| XXXX | 2130393 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2133193 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2133193 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2133193 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2128096 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2128096 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2128096 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2130394 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2130394 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2130394 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2130391 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2130391 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2130391 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2133192 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2133192 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2133192 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2133287 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133287 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133287 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133288 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133288 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133288 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133286 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133286 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133286 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supported value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133289 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133289 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133289 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127023 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2127023 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property Income | XXXX | Guidelines require XXXX months cancelled checks or bank statements to support leasing to a family member. The lease to the second unit is signed by a tenant that shares the same last name as the borrower, XXXX. The loan file contains XXXX months bank statements and rent receipts, which is insufficient to lease to a family member. The subject is being qualified utilizing market rent; however, evidence of the XXXX months either cancelled checks or bank statements must be provided if the tenant is a family member. Additional conditions may apply. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX exception attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> LOE&#XXXX;s attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Exception conditions missing. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> XXXX to approve with LOE's from borrower and tenant which was provided and based on compensating factors. (Waived)<br>**  |  | Compensating factors - XXXX and Reserves $XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2127023 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX,, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2132146 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: Page XXXX of XXXX did not contain the legal description. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see page XXXX of the recorded document attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2132146 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The entity operating agreement is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX. Documentation attach<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2132146 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> TYPE OF INSURANCE is marked off as special coverage which includes all perils<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2132146 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2125599 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Appraisal Report Disclosure, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2125599 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The Entity name on the Security Instrument is inconsistent with the title. The Title reflects current vested interest is XXXX; however, the mortgage lists XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> There was a deed transfer at closing from XXXX to XXXX. Our guarantor owns XXXX% of XXXX <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Referenced deed transfer executed at closing from XXXX to XXXX.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. Please provide the referenced deed transfer executed at closing from XXXX to XXXX. for review. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2125599 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender exception in file for the subject's LTV of XXXX% on a cash out refinance did not meet guidelines. It should be noted that the page of the lender exception with exception description was not provided as required. Full exception document to be provided. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Exception approval attached showing XXXX% LTV on a Multi family was approved.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive based on compensating factors. (Waived)<br>**  |  | Compensating factors: Experienced investor, DSCR of XXXX%, XXXX months of PITIA reserves post closing, XXXX current mortgages and multiple paid off mortgages on credit with all reporting with no late payments. |  | 3 | 2 | 3 | 2 |
| XXXX | 2125599 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Insurance - Multiproperty | XXXX | The subject property is a XXXX unit property that consists of XXXX buildings with XXXX units in each building. Flood insurance was paid at closing for all XXXX units and declaration pages were provided for each of the XXXX units. Each building had a replacement cost of $XXXX and building coverage of $XXXX on each building. Per the investor guidelines, units are to be covered at the maximum insurance available from NFIP per unit (which is currently $XXXXk per unit). Based on guidelines, the flood insurance coverage for each building is not sufficient. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Endorsments to flood reflecting $XXXXk in total flood coverage attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Updated flood provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2125599 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Ineligible Property Type - 5+ Units | XXXX | The subject property is XXXX units. Properties with XXXX or more units must be approved to meet the XXXX overlay. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX exception attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive based on compensating factors. (Waived)<br>**  |  | Comp factors - XXXX, DSCR XXXX and experienced investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2125599 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satiXXXX-by review dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2119370 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2119370 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See page XXXX of XXXX page policy confirming Special coverage with no evidence that XXXX was excluded. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2119370 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121353 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Non-Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a non-compliant HPML due to the following: missing proof the appraisal report was provided at least XXXX days prior to consummation. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX was delivered to borrower on XXXX well prior XX/XX/XXXX consummation date. See upload of XXXX package dated XX/XX/XXXX including appraisal copy. In the upload, the letter pages are XXXX-XXXX. Loan should now not fail the Federal HPML test. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121353 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | 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: XXXX% of total loan amount (for loans > $XXXX). The following fees were included in the testing: Discount Points $XXXX, Administration Fee $XXXX and Mortgage Broker Indirect $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Condition not valid. This is a NonQM loan and these tests do not apply. Loan must only pass state and HOEPA which it does. Please re-test correctly for NonQM loan. Please clear invalid condition and see upload for supporting documentation. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121353 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR 1026.43(b)(4), (e)(1)). This loan does not qualify for a safe harbor. The loan has an APR of XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Non-QM loan.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Non-QM loan.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2121353 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The name of the county, XXXX, listed on page XXXX of the Security Instrument is incorrect. Per the Appraisal and XXXX the county is XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Condition is not valid. DOT page XXXX is correct as completed. Please see uploaded rebuttal for full explanation. Please waive condition.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121353 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Other | XXXX | There are additional employment/income findings. Guidelines state that it is required to verify that the borrower is at least XXXX% owner of the business by providing one of the following:CPA letter, tax preparer letter, operating agreement, or equivalent 3rd party documentation reflecting the borrower's ownership percentage. This is missing from the loan file for both businesses XXXX and XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX search for XXXX and XXXX supports borrower, XXXX, owns XXXX% of both businesses. This Business Licensing search is an acceptable 3rd party source/document allowed used by program to verify ownership. Please see upload for each business. Condition satisfied.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121353 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2104893 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2104893 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3)). The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: Administration Fee $XXXX, Loan Origination Fee $XXXX and Points $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Condition is not valid on nonQM loans. This is a NonQM loan and this does not apply. Please re-test correctly. These tests do not get completed for NonQM tests. The loan only has to pass state and HOEPA, which it does.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The XXXX nor the Guidelines provided prior to the review does not indicate if the loan was or was not originated as a Qualified Mortgage loan. If this information is not provided; all loans will be reviewed as a Qualified Mortgage. Based on the information provided in rebuttal that the loan was originated as a Non-QM loan, we can clear. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2104893 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §1026.43(b)(4), (e)(1)). This loan does not qualify for a safe harbor. The loan has an APR of XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Non-QM<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Non-QM<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The XXXX nor the Guidelines provided prior to the review does not indicate if the loan was or was not originated as a Qualified Mortgage loan. If this information is not provided; all loans will be reviewed as a Qualified Mortgage. Based on the information provided in rebuttal that the loan was originated as a Non-QM loan, we can clear. (Resolved)<br>**  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2104893 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2104893 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2133188 | 1 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. A Rider is present and complete on the Gap Mortgage but page XXXX of the Mortgage is not marked with a Rider as being attached. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Hello I have attached the GAP Mortgage. There is no Rider attached. Please advise where to locate the Rider or provide the Rider. Thank you. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2133188 | 2 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: Page XXXX of XXXX was not signed by the lender, page XXXX of XXXX is not notarized, page XXXX and Exhibit D are missing from the Consolidation, Extension and Modification Agreement. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please find the fully executed CEMA. thank you.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Hello, this is in the documentation already provided. Page XXXX. This is both page 10 (noted at bottom) and this is Exhibit D. Please accept. Thank you. <br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> I apologize. Please see page 10 (at the bottom). This is also XXXX you.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is not sufficient to clear the finding. Page XXXX and Exhibit D are still missing. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documents not received. Please resubmit. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2133188 | 3 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | XXXX | The loan failed the Lender Credits that Cannot Decrease Test. Because the loan failed the initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following: lender credit decrease. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see my compliance department&#XXXX;s response. Please clear. Thank you .<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Please find the ICD dated XXXX/XXXX executed by both the borrower and non borrowing spouse. She executed on the last page; dated XXXX/XXXX. Please clear. Thank you. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is not sufficient to clear the finding. The receipt for borrower XXXX is not in question. The non-borrower spouse with right to rescind, XXXX, must receive the CD timely as well. No evidence of receipt was provided for XXXX on the XXXX/XXXX CD therefore the mailing rule was applied. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2133188 | 4 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | XXXX | Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed to the non borrowing spouse, and therefore not received by the consumer XXXX business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see the response from my compliance department and the initial CD, esignature and log for the borrower. Thank you<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Please find the ICD dated XXXX/XXXX executed by both the borrower and non borrowing spouse. She executed on the last page; dated XXXX/XXXX. Please clear. Thank you. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is not sufficient to clear the finding. The receipt for borrower XXXX is not in question. The non-borrower spouse with right to rescind, XXXX, must receive the CD timely as well. No evidence of receipt was provided for XXXX on the XXXX/XXXX CD therefore the mailing rule was applied. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2133188 | 5 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the initial CD delivery date test , any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following increases: points. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see my compliance department&#XXXX;s response. thank you.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Please find the ICD dated XXXX/XXXX executed by both the borrower and non borrowing spouse. She executed on the last page; dated XXXX/XXXX. Please clear. Thank you. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is not sufficient to clear the finding. The receipt for borrower XXXX is not in question. The non-borrower spouse with right to rescind, XXXX, must receive the CD timely as well. No evidence of receipt was provided for XXXX on the XXXX/XXXX CD therefore the mailing rule was applied. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2133188 | 6 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2133188 | 7 of 7 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2115765 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2115765 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | Sufficient reserves to meet underwriting requirements and PITI were not verified in the file. Reserves are required at $XXXX and verified at $XXXX (short $XXXX). At origination the business assets from XXXX xXXXX were used at XXXX% but when reduced to borrower ownership of XXXX%, the file is short verified assets to meet guideline requirements. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> I am not able to back into how short reserves of $XXXX was calculated. Please provide list of earnest money, asset balances and cash to close used to come to the $XXXX reserve shortage. Thank You<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> XXXX exception allowing short reserves by $XXXX. Reaching out to XXXX on how to properly submit this exception in the XXXX portal. Providing this information here in the mean time. <br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Investor approved exception for short reserves<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Funds required: $XXXX POC + $XXXX EMD + $XXXX cash to close + $XXXX = $XXXX required. Funds available: XXXX #XXXX $XXXX + XXXX #XXXX $XXXX + Cleared EMD $XXXX + XXXX% of XXXX #XXXX $XXXX = $XXXX. $XXXX Shortage. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Exception must be granted by Investor. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX% DTI. $XXXX per month residual income. |  | 3 | 2 | 3 | 2 |
| XXXX | 2115765 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2119374 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2119374 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Note is missing page (XXXX of XXXX) and (XXXX of XXXX). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see all pages of the note. Thank you.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2119374 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §1026.43(b)(4), (e)(1)). This loan does not qualify for a safe harbor. The loan has an APR of XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2119374 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2119374 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2112790 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2112790 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2112790 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125814 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2125814 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters. XXXX in file as the subject loan does not meet Program Parameters for property flipping. Guidelines do not allow multiple transfers in the last XXXX months and there have been XXXX by the seller. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX&#XXXX;s approved exception<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: DTI XXXX% when XXXX% is XXXX; XXXX when XXXX is minimum. residual income $XXXX when $XXXX required. |  | 3 | 2 | 3 | 2 |
| XXXX | 2125814 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2121355 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2121355 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters. XXXX in file as the subject loan does not meet Program Parameters for Property Coverage. Insufficient Property coverage for the total number of units in the project on Master Policy. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please find the approved exception. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: LTV XXXX% when XXXX% allowed; credit score XXXX when XXXX minimum. |  | 3 | 2 | 3 | 2 |
| XXXX | 2121355 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2119372 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2119372 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Hello on page XXXX at the top, all losses are noted. This is the same as all perils being covered by the policy. Please accept. Thank you. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Hello, please see the excerpt of an email from XXXX confirming the borrower&#XXXX;s policy as a XXXX. Please accept. Thank you. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> All losses would be confined to all covered losses. HO3 is not reflected. Special coverage is not reflected. AOP (All other Perils) is not reflected. All Perils deductible is not reflected. Without at least one of these, All Perils cannot be confirmed. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2119372 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2125817 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | 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: The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX The following fees were included in the testing: Administration fee and XXXX fee. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX disagrees with condition. This is a NonQM loan and Points and Fees test does not apply. Points and Fees test should not get completed for NonQM. The loan only must pass state and HOEPA, which it does. Please clear the invalid condition <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The information provided issufficient to clear the finding. The product is Non-QM and notunderwritten to QM guidelines. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2125817 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2125817 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2124113 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2124113 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: Administration Fee $XXXX, Mortgage Broker Fee (Indirect) $XXXX and Loan Discount Point Fee $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Condition is not valid. Points and fees test do not apply to NonQM loan. Loan is NonQM. Please see uploaded document.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The information provided is sufficient to clear the finding. The loan product is Non-QM and not underwritten to QM guidelines. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2124113 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR 1026.43(b)(4), (e)(1)). This loan does not qualify for a safe harbor. The loan has an APR of XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The information provided is sufficient to clear the finding. The loan product is Non-QM and not underwritten to QM guidelines. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2124113 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> All perils confirmed with XXXX. Dec Page uploaded. I also spoke with XXXX at XXXX XXXX-XXXX-XXXX who also confirmed XXXX is supported with XXXX. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please see dec page. Confirms all perils. please clear <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2124113 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121356 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121356 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121356 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133189 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The borrower is an entity. The borrower's name does not include their title, however the entity name and "By" is included bringing this to an EV2 exception. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2133189 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) and Rider are incomplete: The borrower is an entity. The borrower's name does not include their title, however the entity name and "By" is included bringing this to an EV2 exception. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2133189 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject is vested in an LLC. The required Operating Agreement which was provided was not executed by the borrower/member. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please find the signed Operating Agreement. Please clear. Thank you.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2133189 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2131414 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX% the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2131414 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2131414 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2131415 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2131415 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | XXXX | The loan failed the Lender Credits that Cannot Decrease Test. The lender credit decreased on the LE issued on XX/XX/XXXX without a valid change of circumstance. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please find the response from my compliance department. Thank you.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2131415 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | The subject loan requires XXXX months reserves or $XXXX to close. The file is short $XXXX the required reserves. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please find attached an IRA statement with sufficient assets for reserves. Please clear. Thank you.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2131415 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2127027 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127027 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127027 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125600 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2125600 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Other | XXXX | Total funds for closing and reserves totaled $XXXX. An XXXX investment account ending in #XXXX was provided and was sufficient to satisfy the required funds; however, the account was in the name of XXXX / XXXX. The investor guidelines required the full Trust Agreement that details beneficiary and access to funds in the trust's account. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Full Trust Docs attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2125600 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate - Missing | XXXX | The flood certificate is missing. for the subject property. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Flood cert attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2125600 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2132144 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2132144 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower - Residency Alien Documentation | XXXX | The borrower and/or coborrower indicates Resident Alien status, however, the file contains no evidence documenting status as legally. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> This was a typo on the loan application. Please see attached XXXX passport confirming citizenship<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2132144 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2127030 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127030 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127030 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127028 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127028 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127028 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127029 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127029 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127029 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127026 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127026 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127026 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127024 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127024 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127024 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2132149 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2132149 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2132149 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2132150 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2132150 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2132150 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2121354 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121354 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121354 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125816 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2125816 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | Lender guidelines require XXXX months reserves. The subject loan is short $XXXX the required XXXX month reserves of $XXXX. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Per product guideline, only XXXX months of reserves are required. The XXXX month reserve requirement is met. Please see attached certification. Thank you .<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Please find attached exception form. Please clear. thank you.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Loan was reviewed to XXXX-QM Program Guidelines, dated XX/XX/XXXX, which require XXXX months of reserves for an LTV less than or equal to XXXX%. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX.. XXXX% DTI. $XXXX per month residual income. |  | 3 | 2 | 3 | 2 |
| XXXX | 2125816 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2131413 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2131413 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Revised Disclosure Late) | XXXX | The loan failed the charges that cannot increase test. Because the change occurred on XX/XX/XXXX, and consumer was not provided the disclosure within XXXX days of the change, the increase to the following fees was not accepted as valid: Credit Report dated XX/XX/XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> PCCD to cure credit report not disclosed within XXXX days. PCCD, check $XXXX, letter to borrower and trackable delivery uploaded. Condition satisfied. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2131413 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Other/Missing | XXXX | The borrower was qualified with XXXX months bank statements. The file is missing the required bank statement for XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XX/XX/XXXX business bank statement from XXXX #XXXX uploaded. Condition satisifed.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2131413 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2125777 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2125777 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | Rent loss on the borrower's exit property was used in the liabilities. The investor guidelines for departure residence rental income required the lease agreement and proof of first months rent and security deposit. The file contained proof of receipt of the security deposit; however, proof of the first months rent received was not documented. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see info . additional documents should not be required. security deposit documented and combination of documents met.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation and documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2125777 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2125780 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125780 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125780 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. the loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125782 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2125782 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> eio<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> All Perils not reflected. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2125782 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2125783 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2125783 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The CDA in the loan file reflects the appraised value to be $XXXX; however, the actual appraised value is $XXXX. Please have CDA updated. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> corrected cda<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2125783 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2125784 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125784 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125784 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125786 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125786 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125786 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125787 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125787 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125787 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2119364 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2119364 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2119364 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125820 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2125820 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The file is missing the Borrower LOE to state intent to list departing residence for sale within XXXX days of closing, as required when payment is omitted from debt. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> LOX for sale of home<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2125820 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2125821 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing | XXXX | The Security Instrument (Mortgage/Deed of Trust) is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> mortgage<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2125821 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2125821 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2125822 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125822 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125822 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125823 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125823 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125823 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133292 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX% the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133292 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133292 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123020 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123020 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123020 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123467 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123467 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123467 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123464 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prohibited Fees | XXXX | The loan failed the XXXX prohibited lender fees test. This test includes the following fees: Collateral Desktop Analysis Fee. The loan fails the prohibited fees test by $XXXX. The loan charged more than one appraisal fee. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2123464 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Large Deposits/Unacceptable | XXXX | Total required funds for the transaction, including EMD, POC's, closing funds and reserves were $XXXX. XXXX personal account ending in # XXXX was provided with a balance of $XXXX. This account also supported that the EMD wire of $XXXX was from this account. The XX/XX/XXXX statement reflected a large wire transfer in on XX/XX/XXXX in the amount of $XXXX from XXXX and XXXX. The file did not contain documentation to support the large deposit. Without the funds in this account, including the EMD, the transaction would be short of the required funds for reserves. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The $XXXX is a gift from the borrower&#XXXX;s parents. Please find the attached gift letter. Thank you.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2123464 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2120578 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120578 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120578 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120579 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2120579 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The subject's appraisal was marked as "Legal Nonconforming (Grandfathered Use). The appraisal did not contain comments to indicate if the property could be rebuilt if destroyed. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2120579 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123466 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prohibited Fees | XXXX | The loan failed the XXXX prohibited lender fees test. This test includes the following fees: XXXX. The loan fails the prohibited fees test by $XXXX. The loan charged more than one appraisal fee. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2123466 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Contract Addendum - Missing | XXXX | The Closing Disclosure reflected the XXXX paid $XXXX towards the buyer's closing cost. The Purchase Contract provided did not contain an addendum or other information to support the seller concessions paid. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please find attached addendum.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2123466 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with sufficient coverage/replacement cost. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please find attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2123466 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The qualifying income was generated from XXXX months of business bank statements. The investor guidelines required a business narrative if the nature of the borrower's business cannot be determined from the URLA. The URLA did not provided the type of business or source of business income. There was no alternative documentation provided to support the type of business. Business narrative is required to support the type of business / income. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please find attached business narrative.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2123466 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2123465 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | 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: XXXX% of total loan amount (for loans > $XXXX). The following fees were included in the testing: Loan Origination, Points, Processing and Underwriting fees. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> This is Non-QM program loan. Can you please cancel this QM requirement?<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The information provided issufficient to clear the finding. The loan product is Non-QM and notunderwritten to QM guidelines. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123465 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | According to guidelines for Bank Statement program a Business narrative is required if the nature of the borrower's business cannot be determined from the URLA. In this case there is no indication as to the nature of the borrower's business and no Business Narrative was provided for our review. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached :) Thank you!<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Could you please let XXXX know if you are still unable to view the attached file? If you are not able to access it, I will resend it via email.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123465 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2125819 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125819 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125819 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129558 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX Months prepayment term, the loan has a XXXX Months prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2129558 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2129558 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2079092 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | XXXX | Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ICD provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2079092 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Liabilities - Excluded Debts | XXXX | A review of the loan file reflects the PITI on the borrower's rental property, XXXX, was not included in the DTI. Additionally, an updated credit report was obtained on XX/XX/XXXX. The borrower's monthly obligations were not updated. Accordingly. As a results in a DTI increase from XXXX% at origination to XXXX%. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Corrected XXXX provided <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Escalated.<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Total debts i $XXXX and income is $XXXX. The DTI is XXXX XXXX provided to confirm<br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> Per guidelines (screenshot below), the uw has removed XXXX authorized user accounts (XXXX One and XXXX). All balances updated show DTI of XXXX% Authorized User Accounts Authorized User Accounts will be evaluated by the underwriter but will not be counted as a tradeline for qualification purposes. The underwriter should evaluate the borrower's credit history without the benefit of these tradelines and use prudent underwriting judgment when making their final underwriting decision. Note the following: If all or the majority of a borrower's tradelines are authorized user accounts, this may invalidate the credit scores as the borrower's history of repayment is unknown.<br>Rebuttal 5 (XX/XX/XXXX XX:XXPM)<br> Final DTI XXXX%. Excluded XXXX accounts and updated PITA for investment property<br>Rebuttal 6 (XX/XX/XXXX XX:XXPM)<br> XXXX provided shows income as XXXX<br>Rebuttal 7 (XX/XX/XXXX XX:XXPM)<br> income calculated at $XXXX per month provided <br>Rebuttal 8 (XX/XX/XXXX XX:XXAM)<br> Can you please provide your calculations on this?<br>Rebuttal 9 (XX/XX/XXXX XX:XXPM)<br> Here is our updated calculation. If this does not match please provide us with your income calculation<br>Rebuttal 10 (XX/XX/XXXX XX:XXAM)<br> Doc provided to source large deposit<br>Rebuttal 11 (XX/XX/XXXX XX:XXAM)<br> That&#XXXX;s the only large deposit, the remainder are sourced in line item on bank stmt <br>Rebuttal 12 (XX/XX/XXXX XX:XXPM)<br> Docs provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> updated XXXX received does not overcome the XXXX% DTI calculated at review. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> DTI Calculation breakdown: $XXXX income. Subject PITI $XXXX + Negative cash flow $XXXX + Other obligations $XXXX = $XXXX total debt. Total debt $XXXX / Income $XXXX = XXXX% DTI. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Updated XXXX does not reconcile the difference in monthly income or the difference in other monthly debt. (XXXX)<br>Response 4 (XX/XX/XXXX XX:XXAM)<br> Excluding authorized user accounts results in a DTI of XXXX%. (XXXX)<br>Response 5 (XX/XX/XXXX XX:XXPM)<br> Income is $XXXX as opposed to $XXXX. (XXXX)<br>Response 6 (XX/XX/XXXX XX:XXPM)<br> Income is $XXXX based upon calculation at review. (XXXX)<br>Response 7 (XX/XX/XXXX XX:XXPM)<br> Bank statement analysis provided in rebuttal is significantly higher than what was provided at origination. Please reconcile the differences. (XXXX)<br>Response 8 (XX/XX/XXXX XX:XXPM)<br> Your original calculation was $XXXX. Please detail the individual corrections that changed the income to $XXXX. Our calculation was only $XXXX different than original. (XXXX)<br>Response 9 (XX/XX/XXXX XX:XXAM)<br> The original review package excluded $XXXX in deposits from the November XXXX statement. The rebuttal calculation did not exclude those deposits. Please explain and document the reasoning. (XXXX)<br>Response 10 (XX/XX/XXXX XX:XXPM)<br> Only one cancelled check was provided, which does not address defect. (XXXX)<br>Response 11 (XX/XX/XXXX XX:XXPM)<br> Docs provided to clear DTI issue. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2079092 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123323 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX month prepayment term; the loan has a XXXX-month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2123323 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2123323 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2126939 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing | XXXX | The Security Instrument (Mortgage/Deed of Trust) is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 4 | 1 | 4 | 1 |
| XXXX | 2126939 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 4 | 1 |
| XXXX | 2126939 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 4 | 1 |
| XXXX | 2116801 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2116801 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2116801 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2112646 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2112646 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Other | XXXX | Title Proposed XXXX name is incorrect. The commitment reflects XXXX as opposed to XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2112646 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2126964 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2126964 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The guidelines indicate for refinance transactions, the lessor of an appraisal form XXXX or lease rents will be used to calculate the Debt Service Coverage Ratio (DSCR) based on annual tenancy. The subject is a XXXX-Unit property and the loan file contains (XXXX) lease agreements, however, (XXXX) are expired and (XXXX) doesn't identify the subject property as the leased premises. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Two units are month to month, the old leasewas provided to evidence the terms and page XXXX of the third lease reflects property address.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation provided for two expired leases as they are month to month and provided for terms and address page for third lease provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2126964 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Other | XXXX | The guidelines indicate subject properties consisting of multiple parcels are acceptable if certain requirements are met. The subject is a XXXX-unit property, consisting of a XXXX-unit property and a rear unit, located on XXXX separate parcels. The loan file is missing a plat map, survey or other documentation to ensure that only one parcel has a dwelling unit. Please note, a home built across both parcels where the lot line runs under the home is acceptable. Additional Conditionals May Apply | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2126964 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2132211 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | Page XXXX of the following referenced Rider is missing: XXXX Trust Rider. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2132211 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Closing Information/Disbursement Date | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Disbursement Date when compared to the ALTA Statement. Truth in XXXX (Regulation Z) 12 CFR 1026.38(a)(3)(iii) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2132211 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase/addition to the following fees was not accepted: Second Appraisal Fee $XXXX, and XXXX Fee $XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> PCCD docs provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2132211 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX provided for loan amount of $XXXX. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exception provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: XXXX, LTV XXXX%, DTI XXXX% |  | 3 | 2 | 3 | 2 |
| XXXX | 2132211 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a 2nd Appraisal, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2096219 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Name Discrepancy | XXXX | The Entity Name was incorrect throughout the Note due to reflecting XXXX, not XXXX. The inaccuracies were on the following sections of the Note: Note page XXXX and Prepayment XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Note provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2096219 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Entity Name was incorrect throughout the Security Instrument due to reflecting XXXX, not XXXX. The inaccuracies were on the following sections of the Security Instrument: Page XXXX, Page 11 signature line, page XXXX notary section and Assignment of Leases and XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> DOT provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2096219 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The homeowners insurance policy was provided with coverage details. The investor guidelines required insurance protecting against other perils, including wind, hail smoke, civil commotion (including riots), damage caused by aircrafts, vehicle, or explosion covered by the standard extended coverage endorsement. The policy provided does not indicate coverage for all perils as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Please clear<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2096219 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2127054 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The borrower's name on the Security Instrument is inconsistent with the XXXX. Title reflects that current vested interest is in the name of XXXX, however the mortgage lists XXXX. A deed transferring ownership interest from XXXX XXXX is required to confirm ownership interest in the new mortgage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2127054 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Benefit to Borrower - Not documented | XXXX | The file contains no evidence of a documented Benefit to XXXX for this refinance as required. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Escalated.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Cash-Out is the obvious benefit. (Void)<br>**  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2127054 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129524 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129524 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129524 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125237 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | New finding added based on rebuttal documents provided. The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the addition to the following fee was not accepted: Pest Inspection on XX/XX/XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> fee is optional and was placed in wrong section. See updated PCCD. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2125237 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ICD and read receipt<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> ICD<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The referenced documentation was not received. Please provide for review. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2125237 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase/addition to the following fees was not accepted: Loan Discount Point Fee, and XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> revised CDs<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> revised cds<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> lender cure<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The referenced documentation was not received. Please provide for review. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is not sufficient to fully clear the finding. The reason for the appraisal fee increase stated invoice was higher than expected. This is not a valid reason. Cost to cure updated to $XXXX. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2125237 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX provided for rural property with an LTV XXXX%. XXXX is XXXX%. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> approval<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> approval<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Investor exception not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: XXXX, DTI XXXX% |  | 3 | 2 | 3 | 2 |
| XXXX | 2125237 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2111910 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2111910 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2111910 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | Lender exception in file as the subject loan does not meet Program Parameters for LTV. The subject property is rural; therefore, the maximum allowable LTV/CTLV is XXXX%. The subject loan closed at XXXX% LTV. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exception provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: FICO higher than XXXX and at least XXXX points higher than guidelines minimum; XXXX less than XXXX% and at least XXXX% less than guideline maximum; Housing payment history is 0x30x24 or better; Borrower has verified residual income (disposal income) of at least $XXXX per month |  | 3 | 2 | 3 | 2 |
| XXXX | 2111910 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2125236 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125236 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125236 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2114538 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2114538 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | Lender exception in file as the subject loan does not meet Program Parameters for housing history. Per the lender's guidelines borrowers who live rent-free or without a complete XXXX-month housing history are allowed, with the following restrictions: Maximum XXXX% LTV. The borrower was living rent-free. The subject loan was the purchase of a primary residence at XXXX% LTV. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: FICO higher than XXXX and at least XXXX points higher than guidelines minimum; Monthly reserves are verified and at least XXXX months more than guidelines minimum; Borrower has worked in same industry more than XXXX years; Borrower has verified residual income (disposal income) of at least $XXXX per month |  | 3 | 2 | 3 | 2 |
| XXXX | 2114538 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2116793 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Appraisal fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2116793 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2116793 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2116847 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Revised Disclosure Late) | XXXX | The loan failed the charges that cannot increase test. Because the change occurred on XX/XX/XXXX, and consumer was not provided the disclosure within XXXX days of the change, the increase to the following fees was not accepted as valid: Transfer Tax. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2116847 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2116847 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2114540 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2114540 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The FHLMC SSR report is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> SSR provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2114540 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2112626 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2112626 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2112626 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123308 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123308 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The appraiser indicated the subject property was vacant and lease agreements were not provided by the XXXX(s). However, the photos provided indicate the subject property is either occupied or possibly a Short Term Rental. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see appraisers&#XXXX; comments - they address the furniture in the property<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123308 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2120050 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120050 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120050 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123286 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123286 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123286 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2111924 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2111924 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2111924 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2111931 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2111931 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2111931 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2111912 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2111912 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VOR | XXXX | The file is missing the required VOR. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2111912 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123284 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2123284 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2123284 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2122545 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2122545 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2122545 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120055 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2120055 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Other | XXXX | The CD reflects a $XXXX EMD. The source of the EMD was XXXX #XXXX5 XXXX/XXXX - XX/XX/XXXX bank statement; however, the statement provided is not in XXXX. Per the lender's guidelines all documents in the mortgage file must either be in XXXX or accompanied by a translation into English. The translation must be prepared by an unaffiliated 3rd party that cannot be the borrower, lender, loan officer, or anyone with a direct interest in the transaction. The loan file did not contain a translation. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Escalated.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Voided)<br>**  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2120055 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender exception in file as the subject loan does not meet Program Parameters for housing history. The subject transaction is the purchase of a primary residence at XXXX% LTV. The loan application reflects the borrower rents for XXXX months and prior owned a property for XXXX years. The loan file contained the borrower's most recent XXXX-month rental payment history. However, the prior XXXX months housing history could not be documented since the borrower did not own the property and lived rent free. Client to approve downgrading finding based on compensating factors. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted compensating factors: XXXX% DTI, $XXXX verified reserves, $XXXX monthly residual income<br>**  | Compensating factors: Qualifying DTI less than XXXX% and at least XXXX% less than guideline maximum; Borrower has worked in same job more than XXXX years; Borrower has worked in same industry more than XXXX years; Borrower has verified residual income (disposal income) of at least $XXXX per month |  | 3 | 2 | 3 | 2 |
| XXXX | 2120055 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2111911 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2111911 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Other | XXXX | There are additional asset findings. Business assets are being used for cash to close/ reserves and guidelines state one of the following must be obtained to verify that the withdrawal of funds for the transaction will not have a negative impact on the business and its continued operations: a signed letter from a CPA/licensed tax preparer, a satisfactory Cash Flow Analysis (CFA) completed by the underwriter, or other XXXX justification documented in the file. This is missing from the loan file and without business assets file is short $XXXX in verified assets. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2111911 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. Guidelines state if the borrower is living rent free at their principal residence then a signed and dated letter from the owner or individual obligated on the lease agreement must be obtained stating the borrower is living rent-free and what the relationship is to the borrower. This is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2111911 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | The LTV does not meet the program eligibility guidelines. Guidelines state borrowers who live rent-free have a max LTV of XXXX% and LTV is verified at XXXX%. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted Compensating factors: XXXX qualifying credit score, DTI XXXX%, $XXXX verified reserves<br>**  | XXXX. XXXX% DTI. XXXX months of reserves. |  | 3 | 1 | 3 | 1 |
| XXXX | 2111911 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2126937 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2126937 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2126937 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2117030 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2117030 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2117030 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123290 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123290 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123290 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2131387 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2131387 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2131387 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX supportive of value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2116796 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2116796 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State HPML | XXXX | The loan failed the State HPML. This loan failed the XXXX XXXX higher-priced mortgage loan test. (XXXX XXXX, XXXX Financial Code Division XXXX 4995(a)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXXX Financial Code. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2116796 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2116796 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129525 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2129525 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX in file for escrow accounts waived with only XXXX months reserves (XXXX months required by guidelines). Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> EA<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> approval<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: Housing Payment History is XXXX x XXXX x XXXX or better, Borrower has real estate investment experience as a seasoned investor with more than XXXX prior investments displaying at least XXXX x XXXX x XXXX pay history. |  | 3 | 2 | 3 | 2 |
| XXXX | 2129525 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2112638 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Regulations | XXXX | This loan failed the lender fees test due to one of the following findings: (XXXX §XXXX-XXXXA(e); XXXX XXXX-10(a), (g)) The loan is a first XXXX closed end mortgage with a principal amount that is greater than or equal to $XXXX and the sum of all lender fees exceeds the greater of XXXX% of the principal amount or $XXXX. Lender fees are all fees designated for the lender other than the origination fee, discount points, assumption fee, rate lock fee, application fee, commitment fee, lender inspection fee (post-close) and interest. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2112638 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | XXXX in file as the subject loan does not meet Program Parameters for LTV on a rural property. Origination appraiser indicates property is rural, and XXXX per guidelines for rural property is XXXX%. Subject loan approved at XXXX%. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: FICO Higher than XXXX and XXXX points higher than guideline minimum, Borrower has worked in the same industry for XXXX years. |  | 3 | 2 | 3 | 2 |
| XXXX | 2112638 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2121282 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2121282 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2121282 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender exception in file as the subject loan does not meet guidelines for Multiple Loans to the Same Borrower. Per the lender's guidelines regardless of the type of financing the borrower is requesting, the maximum number of active (not settled) loans a borrower/guarantor may have at XXXX is five (XXXX) or the aggregate total of all loans may not exceed $XXXXm UPB. The exception reflected the borrower has XXXX loans in process. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> excepti9on for XXXX loans provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: FICO higher than XXXX and at least XXXX points higher than guidelines minimum; Monthly reserves are verified and at least XXXX months more than guidelines minimum; XXXX higher than XXXXx and at least 0.1x higher than guideline minimum |  | 3 | 2 | 3 | 2 |
| XXXX | 2121282 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | Value is not supported within 10% of original appraisal amount. The loan file did not contain a CDA, Field Review, or 2nd Appraisal to support the origination appraised value. The loan file did not contain a CDA. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CDA provided <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> CDA provided<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> CDA provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The document is corrupt. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> CDA provided and supports original appraised value. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2125238 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2125238 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender exception was provided to allow for the borrower having greater than XXXX active loans. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: borrower has a credit XXXX and an LTV of XXXX%. |  | 3 | 2 | 3 | 2 |
| XXXX | 2125238 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2127926 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2127926 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The subject has a DSCR of XXXX. Lender guidelines state that DSCR less than XXXX require a lender exception. An approved lender exception was provided. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exception provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: borrower is 0x30 on housing history and borrower has more than XXXX month reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2127926 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2111938 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Credit Report fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> PCCD docs provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2111938 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2111938 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2116821 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | XXXX | The loan failed the Lender Credits that Cannot Decrease Test. The lender credit decreased on the CD issued on XX/XX/XXXX without a valid change of circumstance. A cost to cure in the amount of $XXXX of which $XXXX was cured at closing. A remaining cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Lock expired<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2116821 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Property Type | XXXX | The subject loan does not meet Program Parameters for Property Type. A review of the appraisal reflects the subject property is zoned agricultural / residential XXXX. Per the lender's guidelines agricultural zoned properties are ineligible. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> It does not have agriculturalcharacteristics from what I can see.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Upon Senior Management review, although the appraiser states Agriculture/Residential XXXX he also states the property is not a working farm and a review of the appraisal confirms that. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2116821 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2120056 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2120056 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2120056 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2113821 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | XXXX | The loan failed the Lender Credits that Cannot Decrease Test. The lender credit decreased on the Loan Estimate issued on XX/XX/XXXX without a valid change of circumstance. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> doc provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2113821 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2113821 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129526 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129526 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129526 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2122534 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2122534 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2122534 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2116834 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2116834 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2116834 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2113585 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2113585 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX in file. Borrower's business is located in XXXX. It should be noted that the lender's guidelines do not address businesses located outside the contiguous XXXX. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: Monthly reserves are verified and at least XXXX months more than guidelines minimum; XXXX less than XXXX% and at least XXXX% less than guideline maximum; Borrower has worked in same job more than XXXX years; Borrower has worked in same industry more than XXXX years; Borrower has verified residual income (disposal income) of at least $XXXX per month |  | 3 | 2 | 3 | 2 |
| XXXX | 2113585 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2122535 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2122535 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The loan file contained a copy of the borrower's divorce decree which reflected the borrower owned the property at XXXX. This property is also listed on the borrower's XXXX tax return and XXXX loan file does not contain evidence the borrower no longer owns this property. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX provided shows it was sold Sep XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2122535 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters for housing history. The subject transaction is the purchase of a primary residence at XXXX% LTV. The loan application reflects the borrower rents the subject property prior to purchasing for XXXX months and prior owned a property for XXXX years. The loan file contained a copy of the borrower's lease agreement which reflected the lease began XX/XX/XXXX. The Note date is XX/XX/XXXX. Per the lender's guidelines a XXXX-month housing history is required. The loan file does not contain evidence of the borrower's housing payment history. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Still missing XXXX months of lease payments in the amount of $XXXX per month. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted Compensating factors: XXXX qualifying credit score, XXXX% DTI, $XXXX verified reserves<br>**  | XXXX. XXXX% DTI. XXXX months of reserves. |  | 3 | 1 | 3 | 1 |
| XXXX | 2122535 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2116802 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Disclosures/Escrow Account | XXXX | The Escrow Account Disclosure on the CD issued on XX/XX/XXXX is inaccurate due to the following: The No Escrow Table is inaccurate. There is no box checked as to if XXXX's were declined or your lender does not offer one. Truth in XXXX (Regulation Z) 12 CFR 1026.38(l)(7) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2116802 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2116802 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2116816 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2116816 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender exception in file as the subject loan does not meet Program Parameters for NSFs/Overdrafts. Per the lender's guidelines no more than XXXX NSFs in the most recent XXXX months are allowed. A review of the bank statements reflected XXXX NSFs within XXXX months. The loan file contained a letter of explanation from borrower indicating this was due returned checks from customers. Client to approve downgrading finding based on compensating factors. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted Compensating factors: XXXX% DTI, $XXXX verified reserves, $XXXX monthly residual income<br>**  | Compensating factors: Qualifying DTI less than XXXX% and at least XXXX% less than guideline maximum; Housing payment history is 0x30x24 or better; Borrower has worked in same job more than XXXX years; Borrower has worked in same industry more than XXXX years |  | 3 | 2 | 3 | 2 |
| XXXX | 2116816 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2121268 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121268 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121268 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121271 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121271 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Sales Contract - Missing/Incomplete | XXXX | The closing disclosure reflected a $XXXX seller credit. A review of the purchase contract did not reflect any IPCs. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> addendum provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121271 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2112640 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2112640 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2112640 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2111923 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2111923 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The FHLMC SSR report is missing. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> We do not require FHLMC SSR <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Void)<br>**  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2111923 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> coverage provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 1 | 1 |
| XXXX | 2111923 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120065 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120065 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120065 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2114551 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%) the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2114551 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Credit Report. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2114551 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2114551 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2117033 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2117033 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2117033 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121304 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2121304 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Power of Attorney | XXXX | Per the lender's guidelines the borrower may use an attorney-in-fact, who is an authorized person to act by a power of attorney, to sign documents on their behalf at closing based on certain circumstances, such as active military duty, where the service member is on overseas duty or on an unaccompanied tour and cannot be present to execute loan documents at the closing. To complete the loan transaction using an attorney-in-fact the following requirements must be met: The borrower must sign the initial loan application and disclosures. The borrower must explain the hardship for the use of a POA, describing why the borrower was unable to execute documents in person. The loan application and disclosures were only e-signed by the co-borrower. Additionally, the letter of explanation (LOE) is not signed by the co-borrower and does not explain the hardship for use of the POA, only stating due to prior scheduled commitments and employment responsibilities, which does not qualify as a hardship. It should also be noted that the documents at closing were signed by the borrower for co-borrower as "Mandatary" which does not meet the guidelines for signature requirements for attorney-in-fact. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX uses civil-law terminology, Mandatary = the person granted the POA<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The reason for POA usage does not meet guidelines. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX% DTI. $XXXX per month residual income. |  | 3 | 2 | 3 | 2 |
| XXXX | 2121304 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2120064 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2120064 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2120064 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2120049 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120049 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120049 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129527 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129527 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129527 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA Dated XX/XX/XXXX supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2122532 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2122532 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2122532 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120052 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Information/Loan ID | XXXX | The CD issued on XX/XX/XXXX does not reflect a Loan XXXX number. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2120052 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | XXXX | Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2120052 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2120052 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2116805 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2116805 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2116805 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2116806 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2116806 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2116806 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2116807 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2116807 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX provided for Borrower wants to use a PTIN letter from her tax preparer to verify her percentage of business ownership. She does not have an Operating Agreement. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> exception provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: FICO higher than XXXX, AND at least XXXX points higher than guideline minimum; Monthly reserves are verified AND at least XXXX months more than guideline minimum; XXXX less than XXXX%, AND at least XXXX% less than guideline maximum |  | 3 | 2 | 3 | 2 |
| XXXX | 2116807 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2129528 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129528 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129528 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2113587 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2113587 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2113587 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2113589 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD/Payee Not Listed | XXXX | The loan contains the following fee where 'compensation to' does not reflect a payee on the revised CD issued on XX/XX/XXXX: Transaction Coordinator Fee. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2113589 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2113589 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2111929 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2111929 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2111929 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2120067 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2120067 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | Sufficient reserves to meet underwriting requirements and PITI were not verified in the file. The borrower was required to evidence XXXX months of PITIA reserves, equal to $XXXX. The CD reflected required cash to close $XXXX, POCs $XXXX and an EMD $XXXX totaling $XXXX. Therefore total assets needed are $XXXX. Total verified assets are $XXXX. As a result, there was a $XXXX shortage of verified funds for reserves. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> POC for $XXXX was included in cash required to close. Invoice reflecting was paid by credit card provided. Backing the $XXXX out we now have the required cash to close and reserves. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2120067 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please waive<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2120067 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Earnings Continuity | XXXX | The borrower qualified using the XXXX-month business bank statement loan program. The loan application reflects the borrower's business is located in XXXX; however, was purchasing a primary residence in XXXX. Per the lender's guidelines if the borrower is relocating to a different geographical area, prior to considering the income for qualifying purposes, at a minimum the underwriter must: XXXX) Consider and evaluate the acceptance of the company's service or products in the marketplace. Additional information, such as market studies or relevant industry research may support this evaluation XXXX) Provide a written explanation from the borrower, justifying that the borrower's income will continue at the same level in the new location. The loan file did not contain evidence the underwriter considered the impact of relocation and did not contain a LOE from the borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> doc provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2120067 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2126943 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126943 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126943 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2116859 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2116859 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2116859 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123287 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123287 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123287 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2116836 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2116836 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2116836 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121272 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121272 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121272 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2117046 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Closing Information/Disbursement Date | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Disbursement Date when compared to the ALTA Statement. Truth in XXXX (Regulation Z) 12 CFR 1026.38(a)(3)(iii). | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2117046 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Disclosures/Escrow Account | XXXX | The Escrow Account Disclosure on the CD issued on XX/XX/XXXX is inaccurate due to the following: The Escrow Account Disclosure option is incorrect when compared to page XXXX of the CD; the escrow account option reflects escrow, however, the loan does not have escrows and XXXX was signed by the borrower at closing. Truth in XXXX (Regulation Z) 12 CFR 1026.38(l)(7). | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2117046 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2117046 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2122540 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: Missing the Notary Stamp. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2122540 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The borrower's name on the Security instrument is inconsistent with the Title. Security Instrument is an individual and title reflect the current vested name of XXXX. A Deed transferring ownership interest from XXXX to XXXX is requires to confirm ownership interest in the new mortgage. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2122540 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2122540 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2113824 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2113824 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2113824 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123285 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123285 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Liabilities - Mortgage Payment History | XXXX | A mortgage payment history reflects one XXXX-day late in the last XXXX months, which exceed allowable program guidelines. A review of the mortgage payment history with XXXX for the blanket mortgage on XXXX, XXXX, XXXX reflected 1x30x12. Per the lender's guidelines any mortgage tradelines with excessive delinquencies are not eligible for financing with XXXX. Excessive mortgage delinquency is defined as any mortgage tradeline that has one or more XXXX days or greater late payments within the past XXXX months of the credit report date (for all mortgages). | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Guidelines reflect cant be more than 1x30 in past XXXX months.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Per guidelines no more than 1x30 over XXXX months. Subject loan does not exceed that. (Void)<br>**  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123285 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2116811 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2116811 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Minimum Trade Lines | XXXX | Lender exception in file as the borrower(s) does not meet the minimum trade line requirements to have either XXXX scores or at least XXXX tradelines reporting for a minimum of XXXX months with activity in the last XXXX months. Only XXXX tradelines on credit; however, XXXX account is an authorized user. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> exception provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: Monthly reserves are verified and at least XXXX months more than guidelines minimum; Housing payment history is 0x30x24 or better; Borrower has worked in same job more than XXXX years |  | 3 | 2 | 3 | 2 |
| XXXX | 2116811 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2116811 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2121269 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121269 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The Business narrative form (or equivalent) is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121269 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2116812 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2116812 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters for housing payment history. Per the lender's guidelines a XXXX-month housing history is required (0x30x12). The loan file reflects the borrower purchased XXXX XXXX/XXXX and assumed the first mortgage with XXXX from the seller; therefore, the mortgage was not reflected on the borrower's credit report. Mortgage statements were provided which reflected an NSF charge in XXXX and the most recent statement with a due date of XX/XX/XXXX reflected a $XXXX fee. Without a VOM the borrower does not meet the requirements for a complete XXXX-month housing history (0x30x12). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> VOR docs provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2116812 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2117041 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2117041 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. The loan file did not contain an Undisclosed Debt Monitoring report within XXXX days of the subject loan closing on XX/XX/XXXX as required per guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> UDM provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2117041 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2114548 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2114548 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2114548 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129529 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Acknowledgment of receipt of appraisal report, issued on XX/XX/XXXX was not complete. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2129529 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the Settlement statement provided in the loan file was the FINAL binding Settlement statement, as it was not signed, stamped or certified. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2129529 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX in file as the subject property may be situated on XXXX. Lender guidelines indicate properties located on XXXX leased land or reservations are ineligible for financing. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> EA<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> approval<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Verbiage appears to indicate exception is not completely approved. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted Compensating factors: XXXX qualifying credit score, XXXX% LTV <br>**  | Compensating Factors: XXXX Fico, Experienced Investor, 0x30 prior XXXX months mortgage history |  | 3 | 2 | 3 | 2 |
| XXXX | 2129529 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2125239 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2125239 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2125239 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2125258 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2125258 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The loan file does not contain documentation confirming what percentage of the borrowing LLC was owned by the XXXX. It could not be determined if the Borrower was eligible to be the sole guarantor or if additional representees of the entity were required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> borrower owns XXXX% per attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2125258 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2125266 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2125266 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2125266 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> cda<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2126938 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | XXXX | The loan failed the Lender Credits that Cannot Decrease Test. Because the loan failed the Initial Closing Disclosure Delivery Date Test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2126938 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | XXXX | Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXXX business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2126938 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the Initial Closing Disclosure Delivery Date Test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions/increases: Discount Points, XXXX. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2126938 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2126938 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121270 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2121270 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Other | XXXX | Lender exception in file for use of retirement accounts for Asset Income with XXXX not of retirement age (at least XXXX XXXX/XXXX). Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exception provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: LTV less than XXXX% and at least XXXX% less than guideline XXXX, FICO higher than XXXX and at least XXXX points higher than guideline minimum, monthly reserves are verified and at least XXXX months more than guideline minimum. XXXX less than XXXX% and at least XXXX% less than guideline XXXX. Borrower has verified residual income of at least $XXXX per month. |  | 4 | 2 | 3 | 2 |
| XXXX | 2121270 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender exception in file for HOA allocating less than XXXX% to reserves. HOA current reserves are almost fully funded. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exception provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: LTV less than XXXX% and at least XXXX% less than guideline XXXX, FICO higher than XXXX and at least XXXX points higher than guideline minimum, monthly reserves are verified and at least XXXX months more than guideline minimum. XXXX less than XXXX% and at least XXXX% less than guideline XXXX. Borrower has verified residual income of at least $XXXX per month. |  | 3 | 2 | 3 | 2 |
| XXXX | 2121270 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2116848 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2116848 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX provided for missing multiple compensating factors for a first-time homebuyer. DTI is the sole comp factor and per guidelines, FTHB is allowed with strong compensating factors. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> exception provided <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Exception not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: DTI XXXX% |  | 3 | 2 | 3 | 2 |
| XXXX | 2116848 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX provided for missing verification of March XXXX rent payment. Per verification of rent, rent is $XXXX/XXXX, but borrower only paid $XXXX in Dec XXXX, $XXXX in Jan and Feb XXXX. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> exception provided <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Exception not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: DTI XXXX% |  | 3 | 2 | 3 | 2 |
| XXXX | 2116848 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2116823 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Appraisal fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2116823 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2116823 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121291 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121291 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121291 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2125240 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125240 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125240 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120057 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120057 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120057 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123325 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2123325 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2123325 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The guidelines indicate the amount of hazard insurance coverage must at least equal the lesser of the insurers established Replacement Cost or the unpaid principal balance of the mortgage, as long as it equals a minimum of XXXX% of the property's insurable replacement cost (as established by the property insurer). The insurers established Replacement Cost amount is $XXXX. The evidence of insurance reflects Dwelling/Other Structure coverage totaling $XXXX. The $XXXX coverage amount is > the $XXXX unpaid principal balance of the mortgage, but is not a minimum of XXXX% ($XXXX) of the property's insurable replacement cost. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX provided <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> email from HOI provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Coverage level provided does not meet guidelines. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2123325 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2116815 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2116815 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. The loan file did not contain the Undisclosed Debt Monitoring Report as required per guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2116815 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2117050 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | XXXX | The loan failed the Lender Credits that Cannot Decrease Test. The lender credit decreased on the CD issued on XX/XX/XXXX without a valid change of circumstance. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> CIC proivided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2117050 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2117050 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX in file as the subject loan does not meet Program Parameters for residual income. Per the lender's guidelines the minimum residual income is $XXXX. The borrower's residual income is $XXXX.Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exception provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: FICO higher than XXXX and at least XXXX points higher than guidelines minimum; Monthly reserves are verified and at least XXXX months more than guidelines minimum; Housing payment history is 0x30x24 or better; Borrower has worked in same job more than XXXX years; Borrower has worked in same industry more than XXXX years |  | 3 | 2 | 3 | 2 |
| XXXX | 2117050 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2116820 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2116820 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2116820 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2117036 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2117036 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please waive<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2117036 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2116863 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2116863 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2116863 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2113592 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2113592 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender's Exception - Lender allowed the CLTV to exceed the max of XXXX% for rural properties. The CLTV is XXXX%. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors - XXXX mid score, residual income $XXXX per month, XXXX months reserves, |  | 3 | 2 | 3 | 2 |
| XXXX | 2113592 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2126940 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Signature Discrepancy | XXXX | The Borrower is an Entity. However, the note was signed as Individual and as Member. Page one of the mortgage only listed the Entity. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> The Borrower is an Entity.However, the note was signed as Individual and as Member. Page one of themortgage only listed the Entity<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Finding voided. (Void)<br>**  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126940 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126940 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125241 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125241 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125241 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125250 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2125250 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | Lender exception in file as the subject loan does not meet Program Parameters for reserves. Per the lender's guidelines XXXX months reserves are required totaling $XXXX (XXXX x PITI $XXXX). The exception allowed for a reduced reserve amount totaling XXXX months PITI $XXXX. The cash-out proceeds $XXXX and the 401k account balance $XXXX (balance minus 401k loan and XXXX day XXXX account) was sufficient to cover the lower reserve amount. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> approval<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: Borrower has worked in same job more than XXXX years; Borrower has worked in same industry more than XXXX years; Borrower has verified residual income (disposal income) of at least $XXXX per month |  | 3 | 2 | 3 | 2 |
| XXXX | 2125250 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Loan Purpose | XXXX | The subject loan does not meet Program Parameters for Loan Purpose. The underwriter summary, XXXX and pricing sheet dated XX/XX/XXXX reflect the subject loan was approved as a rate/term, no cash-out refinance. However, the final CD reflects debt consolidation totaling $XXXX and cash-out in the amount of $XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> loan should be cash-out refinance<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> updated to cash-out refi<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Please update XXXX, approval, pricing sheet to reflect cash-out. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2125250 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2123288 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123288 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123288 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2116822 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2116822 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2116822 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2112657 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2112657 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2112657 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123289 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123289 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123289 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2116824 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2116824 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2116824 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123292 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2123292 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender exception provided to allow for XXXX of the XXXX units being under the required XXXX ft. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exception provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: Borrower has a XXXX credit score and more than XXXX months reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2123292 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2121300 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121300 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121300 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123296 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123296 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123296 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2131377 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2131377 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2131377 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121273 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121273 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121273 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127937 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX Months prepayment term, the loan has a XXXX Months prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2127937 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Other | XXXX | The cash to close for the subject loan came from the proceeds of a refinance of another property with the same lender, under loan number XXXX. The final Closing Disclosure was not provided from this transaction to verify the funds needed to close or to verify the new payment amount on the rental property financed. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2127937 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2116828 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2116828 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2116828 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121277 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2121277 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Source | XXXX | Lender exception provided to allow for use of Gift Funds from the donor who is the borrowers God Mother. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exception provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: borrower has a XXXX credit score and a XXXX% DTI. |  | 3 | 2 | 3 | 2 |
| XXXX | 2121277 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender exception provided to allow for an XXXX% LTV for a Rural Property. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exception provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: borrower has a XXXX credit score and a XXXX% DTI. |  | 3 | 2 | 3 | 2 |
| XXXX | 2121277 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2116830 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2116830 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The loan file contains an exception for non-arms length transaction. XXXX was Borrower's sister. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> doc provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: Borrower worked same job for more than XXXX years and in same industry for XXXX years. |  | 3 | 2 | 3 | 2 |
| XXXX | 2116830 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2129556 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. The HUD-XXXX was not signed, marked as Final, and/or stamped as certified true and accurate. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2129556 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2129556 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. An exception was provided to allow the lower of the valuation value (XXXX) to be used for LTV purposes since the CDA did not support the original appraise value of XXXX and the Field Review did not support either. Per the rating agencies this is only allowed if in the client guidelines and would then be graded an EV2. The guidelines for client state if the CDA does not support within the - XXXX% then a Field review or second appraisal must be ordered. To cure this a 2nd full appraisal needs to be completed and the lower value of the two appraisals would be used and if it supports then grading would be an XXXX. | Acknowledged | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor to use the CDA as qualifying value. (Acknowledged)<br>**  |  | XXXX. XXXX DSCR. Experienced Investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2123291 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123291 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123291 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2117051 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2117051 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Guidelines require a gap credit or undisclosed debt monitoring report no more than XXXX days prior to loan closing or any time after closing and is missing from the loan file. Credit report dated XX/XX/XXXX and loan closed XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2117051 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2116864 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2116864 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2116864 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2116864 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2129537 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2129537 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2129537 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | CDA provided and did not support original appraised value therefore a field review was completed and supports. As this was a second valuation product, per the rating agencies this grades as an EV2. | Cleared |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2116831 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2116831 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2116831 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2122536 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2122536 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Bank Statements | XXXX | The TSP account reflecting a balance of $XXXX is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 4 | 1 | 3 | 2 |
| XXXX | 2122536 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX provided for less than XXXX months on-time and consistent child support payments. XXXX through XXXX payments were received as divorce finalized in XXXX. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: XXXX, Monthly reserves are verified AND at least XXXX months more than guideline minimum, Borrower has worked in same job more than XXXX years |  | 3 | 2 | 3 | 2 |
| XXXX | 2122536 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2123294 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123294 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123294 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125242 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2125242 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The guidelines indicate regardless of the type of financing the borrower is requesting, the maximum number of active (not settled) loans a borrower/guarantor may have at XXXX is five (XXXX) or the aggregate total of all loans may not exceed $XXXXm UPB. The Loan Safe fraud report indicates the Borrower had a total of (XXXX) active loans (inclusive of the subject transaction) at the time of origination. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> PC<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2125242 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2126951 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 4 | 1 |
| XXXX | 2126951 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Incorrect | XXXX | The title commitment shows a policy amount of $XXXX, which is below the loan amount of $XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> updated <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 4 | 1 | 4 | 1 |
| XXXX | 2126951 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 4 | 1 |
| XXXX | 2116835 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2116835 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Other | XXXX | The subject transaction is the purchase of a primary residence. The loan application reflected the borrower was selling the departure residence (XXXX) and using the net proceeds to purchase the subject property. Per the lender's guidelines if the proceeds from the sale of a currently owned home are needed for the down payment and closing costs on the new house, then XXXX% can be considered and the source of funds must be verified by a fully executed settlement statement. The loan file only contained an estimated unsigned settlement statement. A fully executed settlement statement was not provided as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> executed sale of home provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2116835 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2117048 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2117048 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2117048 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2117042 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2117042 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | State HPML | XXXX | The loan failed the State HPML. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2117042 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD/Payee Not Listed | XXXX | The loan contains the following fee where 'compensation to' does not reflect a XXXX on the revised CD; Title - Lender's Title Insurance fee. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2117042 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2117042 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2116853 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2116853 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2116853 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. LCA Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120059 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120059 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120059 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125243 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The XXXX Closing Attorney's Affidavit was not executed by the Closing Attorney. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2125243 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2125243 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2116844 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2116844 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters. The subject transaction is the purchase of a primary residence utilizing the XXXX month business bank statement program. The borrower's departure residence and business is in XXXX; however, the subject property is in XXXX. Per the lender's guidelines if the borrower is relocating to a different geographical area, prior to considering the income for qualifying purposes, at a minimum the underwriter must: XXXX) Consider and evaluate the acceptance of the company's service or products in the marketplace. Additional information, such as market studies or relevant industry research may support this evaluation XXXX) Provide a written explanation from the borrower, justifying that the borrower's income will continue at the same level in the new location. The loan file did not contain evidence the underwriter considered the impact of relocation and did not contain a LOE from the borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> LOE for move provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2116844 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The CU score is XXXX. The loan file did not contain an AVM, CDA, Field Review, or 2nd appraisal to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CDA provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2120085 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120085 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120085 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126942 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126942 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126942 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2122537 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2122537 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2122537 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123312 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2123312 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Other | XXXX | Lender exception for findings regarding the title commitment. There is a tribal land claim on title, title includes affirmative coverage and defense for claims that may arise. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: Experienced Investors, XXXX/XXXX, Owned Subject XXXX Years |  | 3 | 2 | 3 | 2 |
| XXXX | 2123312 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2120061 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120061 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120061 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125245 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125245 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125245 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120060 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120060 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State HPML | XXXX | The loan failed the State HPML. This loan failed the XXXX XXXX higher-priced mortgage loan test. (XXXX XXXX, XXXX Financial Code Division XXXX 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXXX Financial Code. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120060 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120060 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123314 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123314 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123314 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126961 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126961 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126961 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126947 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126947 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126947 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA in the loan file dated XX/XX/XXXX supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127952 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127952 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127952 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129534 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129534 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129534 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2116832 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2116832 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2116832 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123295 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123295 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123295 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120066 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120066 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120066 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126945 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2126945 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2126945 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2127059 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127059 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127059 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123297 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123297 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123297 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123316 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase/addition to the following fees was not accepted: XXXX and Credit Report Fee. A cost to cure in the amount of $XXXX is required, of which $XXXX was cured at closing; a remaining cost to cure of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Property type was changed to attached, that increased the appraisal fee<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123316 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123316 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2120068 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120068 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120068 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127931 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2127931 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Tax Transcripts Missing | XXXX | Tax Transcripts were not provided as required. The borrower was qualified using XXXX XXXX Sch C income. Per the lender's guidelines tax transcripts are required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Transcripts & payment<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2127931 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123305 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123305 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123305 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123322 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX month prepayment term; the loan has a XXXX-month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2123322 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2123322 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2120080 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2120080 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2120080 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2120087 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2120087 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2120087 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2125257 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125257 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125257 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126957 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126957 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126957 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126946 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | ARM Disclosure - Missing | XXXX | The file contains no evidence that the ARM Disclosure was provided to the borrower. Truth in XXXX (Regulation Z) 12 CFR 1026.19(b)(1) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Charm booklet was issued during initial docs<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2126946 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2126946 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129578 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129578 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129578 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120070 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2120070 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Employment History | XXXX | Two full years of continuous employment history was not obtained for the borrower. The subject transaction is the purchase of a primary residence, FTHB, utilizing the bank statement loan program. The loan application reflects the borrower has been self-employed since XX/XX/XXXX (Note date XX/XX/XXXX) or for XXXX year and XXXX months. The loan application did not reflect any prior employment. According to the lender's guidelines under the bank statement program the borrower(s) whose income is being calculated using bank statements must be verified to be self-employed for at least XXXX years and the business must be in existence for at least XXXX years. Less than XXXX years of business existence can be considered with documentation of a minimum of XXXX years employment history in the same line of work or related profession, prior to starting own business. The loan file contained a CPA letter stating the borrower has been in the same field since XXXX/XXXX. However, the letter does not state the name of employer, dates of employment and position; therefore, the borrower's employment history is not verifiable has required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2120070 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2127928 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127928 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127928 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121288 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121288 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX provided for DTI above XXXX% (XXXX). Client to approve downgrading finding based on compensating factors. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The loan has XXXX% LTV, XXXX is within guidelines and does not require an exception. It was CTC at XXXX%. The XXXX% cap is applicable if LTV is over XXXX%<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Void)<br>**  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121288 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123298 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2123298 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX provided for spouse of XXXX, who is the listing agent of subject per MLS, being on XXXX Exclusionary List. (He is the spouse of the owner, but not on deed to subject). Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> exception provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: XXXX, DTI XXXX%, Housing payment history is 0x30x24 or better |  | 3 | 2 | 3 | 2 |
| XXXX | 2123298 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2125248 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125248 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125248 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121297 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121297 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121297 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The CU is XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2133298 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133298 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133298 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2116851 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The name of the XXXX on the PUD rider, XXXX, differs from the name of the PUD stated in the Legal Description and appraisal, XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2116851 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2116851 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123300 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: Missing pages XXXX to XXXX with notary information. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Pages provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2123300 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2123300 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2123300 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2125249 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX months prepayment term. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2125249 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The guidelines indicate all public records and tax liens must be paid regardless of age. The judgment search in file reflects (XXXX) judgment for the XXXX dated XX/XX/XXXX for $XXXX, payable to XXXX and (XXXX) judgment for the Guarantor XXXX XXXX dated XX/XX/XXXX for $XXXX payable to XXXX. The loan file is missing documentation to support the judgments have been satisfied or do not belong to the Borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> judgments paid off<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> doc attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2125249 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2125247 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Signature Discrepancy | XXXX | The borrower is an entity however the XXXX was signed as Individual and as Member/Authorized Person. Page one of mortgage only listed the entity and Title only listed borrower as entity. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2125247 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2125247 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2123301 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123301 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123301 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2132218 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2132218 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Vested Interest on the Security Instrument is inconsistent with the XXXX. The Security Instrument reflects XXXX, which does not match the current vested interested on the title. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2132218 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2132218 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2126950 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126950 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126950 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score was XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125264 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2125264 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2125264 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2129553 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129553 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129553 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126944 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126944 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126944 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123321 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Appraisal fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2123321 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2123321 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2122544 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2122544 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2122544 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2125251 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i)). A valid change of circumstance was not provided in the file; therefore, the decrease to Lender Credits was not accepted. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Lock confirmation provided shows change in price due to lock extension<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2125251 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2125251 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2122539 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. The HUD-XXXX was not signed, marked as Final, and/or stamped as certified true and accurate. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2122539 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2122539 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2121295 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121295 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121295 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127057 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127057 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127057 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. LCA score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129535 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129535 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129535 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125252 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125252 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125252 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2116866 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Appraisal fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2116866 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2116866 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2120074 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2120074 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2120074 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129560 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129560 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129560 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125254 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ICD and viewed receipt<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> CD<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The referenced documentation was not received. Please provide for review. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2125254 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the Initial Closing Disclosure Delivery Date Test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions/increases: Discount points. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> revised CD with COC<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> ICD<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The referenced documentation was not received. Please provide for review. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2125254 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2125254 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123302 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2123302 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters for housing payment history. Per the lender's guidelines a XXXX-month housing history is required. The loan application reflects the borrower owns and is currently residing at XXXX for XXXX months. Prior to this the borrower was renting for XXXX years at XXXX. The loan file contained a divorce decree which reflected the borrower was not residing at XXXX and this property was awarded to the ex-spouse. The credit report reflects the date of last activity for the mortgage XX/XX/XXXX. Additionally, an email in the file reflects the borrower is currently living in an Airbnb. There is no documented housing history from XX/XX/XXXX to the closing date of XX/XX/XXXX or from the prior residence at XXXX. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted Compensating factors: XXXX qualifying credit score, XXXX% DTI, $XXXX verified reserves<br>**  | XXXX. XXXX% DTI. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2123302 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2129550 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129550 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Invoice provided showing we re-disclosed within XXXX days of knowing of the increased fee <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> invoice shows there was a management fee charged <br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> This is a valid increase; the invoice states "Our Management Fee includes responsibilities and duties of administering and tracking the appraisal process, ensuring proper selection of appraiser, acting as liaison between appraiser and client, performing a quality audit of every report, and delivering a final copy. Pursuant to certain state disclosure requirements, the fee is broken down as: Appraisers XXXX $XXXX, Management Fee= $XXXX" Therefore we disclosed within XXXX days of the increase and no cure needed <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. Increasing the XXXX fee strictly due to receiving the XXXX is not an acceptable reason without more details. The Invoice does not state a reason for the increase. A detailed reason/COC stating why the Appraisal fee increased is required. A cost to cure in the amount of $XXXX remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The addition of a Management fee is not a valid reason for the XXXX fee to increase. A cost to cure in the amount of $XXXX remains. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2129550 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129550 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2120086 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120086 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120086 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123303 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123303 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123303 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123304 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123304 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123304 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121305 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121305 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121305 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125267 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125267 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125267 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129536 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan file contained two executed Prepayment Addendums with different terms listed. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> PC<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2129536 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129536 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123310 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123310 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123310 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126948 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126948 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126948 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125270 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125270 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125270 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127933 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127933 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127933 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127930 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance Finding - Missing Business Purpose Documentation | XXXX | There are additional XXXX. Missing the following Business purpose documentation: Documentation that the cash proceeds will only be used for Business Purposes. The cash-out letter provided states the funds will be used for renovations on our home. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> LOX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2127930 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | The LTV does not meet the program eligibility guidelines. The subject transaction is a cash-out refinance of an investment property at XXXX% LTV. The appraisal reflects the subject property is in a declining market and in a rural area. Per the lender's guidelines the max LTV for a cash-out rural property is XXXX%. However, declining markets requires a XXXX% LTV/CLTV reduction off program max LTV/CLTV. As a result the max LTV is XXXX%. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Upon further Senior Management review, the matrix starts at XXXX% for subject loan then - XXXX% for declining market getting us to XXXX%. XXXX allowed for rural is XXXX% and subject loan is just over XXXX% so matrix is met. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted Compensating factors: XXXX qualifying credit score, $XXXX verified reserves, Experienced Investor, DSCR of XXXX<br>**  | XXXX. Experienced Investor. XXXX DCSR. |  | 3 | 1 | 3 | 1 |
| XXXX | 2127930 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123326 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2123326 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2123326 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2125262 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2125262 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2125262 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2122538 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2122538 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Earnest Money Deposit | XXXX | The final closing disclosure dated XX/XX/XXXX reflected a $XXXX earnest money deposit (EMD). A review of the purchase contract and an email confirmation from XXXX reflects the EMD was actually $XXXX. There is no evidence of an additional $XXXX EMD. Additional conditions may apply. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> This is not required since this account is for the donor – we do not need to source large deposits for donors – that is not our business; therefore a XXXX-day statement was provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Agree. Explanation received is sufficient. (Void)<br>**  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2122538 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Source | XXXX | The subject transaction was the purchase of a primary residence. The loan file contains a gift letter from the non-borrowing spouse (NBS) for $XXXX. Per the lender's guidelines a NBS who will reside in the property (primary residence only) and is contributing funds is not considered a gift, therefore a gift letter is not required. However, XXXX days seasoning and sourcing of funds is required. The loan file contained a bank statement from XXXX #XXXX dated XXXX/XXXX - XX/XX/XXXX which reflected a starting balance of $XXXX and a large deposit on XX/XX/XXXX for $XXXX. The $XXXX large deposit was not sourced. The seasoning and sourcing of funds was not provided. Additional conditions may apply. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> This is not required since this account is for the donor – we do not need to source large deposits for donors – that is not our business.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Agree. Explanation received is sufficient. (Void)<br>**  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2122538 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125253 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125253 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125253 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121298 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase/addition to the following fees was not accepted: XXXX and Transfer Taxes. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Transfer tax amount on final CD $XXXX and no lender closing fee <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> XXXX/XXXX is the ILE and the $XXXX lender fee was disclosed, no cure should be needed <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. After further review, it appears recording and other taxes was equally split on the LE issued on XX/XX/XXXX to include the transfer taxes. Renaming is allowed. The Lender Fee in the amount of $XXXX was added on the LE issued on XX/XX/XXXX without a valid COC. Cost to cure updated to $XXXX (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121298 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121298 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2126955 | 1 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2126955 | 2 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application reflects the borrower took an advance of $XXXX from an unsecured line of credit with XXXX to used towards the down payment on the subject property. The loan file contains a HELOC calculator printout reflecting a payment of $XXXX; however, there is no documentation in the file to confirm the interest rate and terms of the line of credit. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2126955 | 3 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Other/Missing | XXXX | The subject transaction was the purchase of a primary residence. The loan application reflects the borrower was self-employed as the owner of a paving company for XXXX years earning $XXXX per month. The loan approval reflected the transaction was a full documentation loan. However, an income calculation in the file reflects the borrower was approved utilizing the XXXX month bank statements (XXXX #XXXX). The loan file did not contain any income documentation. Only XXXX month bank statement (XXXX/XXXX - XX/XX/XXXX) was provided. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Please clarify. Bank statements were provided, but the loan was submitted as full documentation. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Per client subject loan is a Bank Statement loan. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2126955 | 4 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - DTI | XXXX | The subject loan does not meet Investor Program Parameters for DTI. The origination XXXX and underwriting summary reflect a qualifying DTI of XXXX%. Per the lender's guidelines the maximum DTI with an LTV over XXXX% is XXXX%. The loan file contained an exception for DTI over XXXX%; however, it is unsigned and does not appear to have been approved. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: FICO higher than XXXX and at least XXXX points higher than guidelines minimum; Housing payment history is 0x30x24 or better; Borrower has worked in same job more than XXXX years<br> Borrower has worked in same industry more than XXXX years |  | 3 | 2 | 3 | 2 |
| XXXX | 2126955 | 5 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | Lender exception in file as the subject loan does not meet Program Parameters for LTV. Per the lender's guidelines the maximum LTV for a rural property is XXXX%. The subject loan was approved with at XXXX% LTV/CLTV. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: FICO higher than XXXX and at least XXXX points higher than guidelines minimum; Housing payment history is 0x30x24 or better; Borrower has worked in same job more than XXXX years<br> Borrower has worked in same industry more than XXXX years |  | 3 | 2 | 3 | 2 |
| XXXX | 2126955 | 6 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Property Type | XXXX | Lender exception in file as the subject loan does not meet Program Parameters for property type. Per the lender's guidelines properties zoned agricultural are ineligible. The property is zoned agricultural and has multiple parcels. Loan file contains multiple exception forms for this issue, one of which was denied. Unable to determine final status of exception. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: FICO higher than XXXX and at least XXXX points higher than guidelines minimum; Housing payment history is 0x30x24 or better; Borrower has worked in same job more than XXXX years<br> Borrower has worked in same industry more than XXXX years |  | 3 | 2 | 3 | 2 |
| XXXX | 2126955 | 7 of 7 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2126949 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126949 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126949 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. LCA score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2132471 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2132471 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2132471 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127061 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2127061 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Other | XXXX | The subject transaction is the purchase of a primary residence. The loan application reflected the borrower was selling the departure residence (XXXX) and using the net proceeds to purchase the subject property. Per the lender's guidelines if the proceeds from the sale of a currently owned home are needed for the down payment and closing costs on the new house, then XXXX% can be considered and the source of funds must be verified by a fully executed settlement statement. The loan file only contained an estimated unsigned settlement statement. A fully executed settlement statement was not provided as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2127061 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123317 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ICD from XXXX/XXXX provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123317 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions/increases: Loan Discount Points Fee. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ICD from XXXX/XXXX provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123317 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123317 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123311 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123311 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State HPML | XXXX | The loan failed the State HPML. This loan failed the XXXX XXXX higher-priced mortgage loan test. (XXXX XXXX, XXXX Financial Code Division XXXX 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXXX Financial Code. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123311 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The origination credit report dated XX/XX/XXXX reflects the borrower pays child support, County of Riverside with a monthly payment of $XXXX and a balance of $XXXX. However, the payment history shows the scheduled payment is $XXXX and the balance has been increasing. Additionally, the payment history was last updated XXXX/XXXX. Per the lender's guidelines documentation such as a divorce decree, separation agreement, court order, or similar legal proof must be included in the loan file. This documentation was not included in the loan file. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> It is reflected as a debt on the credit report with no derogatory history. The credit report is verifying the payment of $XXXX with a balance of $XXXX as of XXXX/XXXX. We would not refer to a balance from July when credit validates XXXX/XXXX as the date of last activity. XXXX guidelines only require documentation to be provided if we are reducing borrower&#XXXX;s qualifying income by alimony instead of counting it as a debt in the DTI. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Agree. The DTI is XXXX% using the highest paid child support on the credit report. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123311 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2127940 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127940 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127940 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120081 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120081 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120081 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123324 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2123324 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2123324 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2120083 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120083 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120083 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133295 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2133295 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | The loan file is short required reserves of $XXXX, by $XXXX. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exception provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX% DTI. $XXXX per month residual income. |  | 3 | 2 | 3 | 2 |
| XXXX | 2133295 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2129540 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129540 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129540 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126965 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126965 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126965 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2131380 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2131380 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2131380 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126953 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126953 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126953 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126960 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126960 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126960 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2122543 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2122543 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2122543 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129568 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129568 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129568 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125256 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125256 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125256 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127941 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2127941 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | XXXX in file for Rural property at XXXX% LTV. Client to approve downgrading finding based on compensating factors. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> App provided reflecting as Suburban, therefore no exception needed<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | Compensating Factors: Monthly reserves are verified and at least XXXX months more than guideline minimum. More than XXXX years in same job and XXXX years in same industry. Residual income of over $XXXX per month. |  | 3 | 1 | 3 | 1 |
| XXXX | 2127941 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2125268 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125268 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125268 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2122546 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in theloan file was the FINAL binding HUD-XXXX. The HUD-XXXX was not signed, marked as Final, and/or stamped as certified true and accurate. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2122546 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2122546 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2132213 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2132213 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender exception in file as the subject loan does not meet program parameters to take title as an LLC. Per the lender's guidelines a copy of the fully executed operating agreement reflecting the borrower is an authorized signer on behalf of the LLC and has the power to first mortgage the security property for the purpose of securing a loan (or equivalent documentation) is required. The LLC did not have an operating agreement. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: FICO higher than XXXX and at least XXXX points higher than guidelines minimum; Monthly reserves are verified and at least XXXX months more than guidelines minimum; XXXX less than XXXX% and at least XXXX% less than guideline maximum; Housing payment history is 0x30x24 or better |  | 3 | 2 | 3 | 2 |
| XXXX | 2132213 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2131382 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2131382 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | Sufficient reserves to meet underwriting requirements and PITI were not verified in the file. The UW summary document indicates that reserves and cash to close would be derived from a simultaneous refinance closing; However, documentation confirming these funds, such as a HUD-XXXX Settlement statement, was not provided in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HUD1<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2131382 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Financed Properties | XXXX | The subject loan does not meet Program Parameters for Financed Properties. XXXX will not finance more than XXXX% of the units in any one project, or a property with single entity ownership greater than XXXX%. All properties in the condominium are owned by the same Borrower. A declined exception form was present for this issue, but no subsequent accepted exception form was in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> pc<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2131382 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2131384 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2131384 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | Sufficient reserves to meet underwriting requirements and PITI were not verified in the file. The UW summary document indicates that reserves and cash to close would be derived from a simultaneous refinance closing; However, documentation confirming these funds, such as a HUD-XXXX Settlement statement, was not provided in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HUD1<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2131384 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Financed Properties | XXXX | The subject loan does not meet Program Parameters for Financed Properties. XXXX will not finance more than XXXX% of the units in any one project, or a property with single entity ownership greater than XXXX%. All properties in the condominium are owned by the same Borrower. A declined exception form was present for this issue, but no subsequent accepted exception form was in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> pc<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2131384 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2127927 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2127927 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2127927 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2127927 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. LCA score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2131383 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2131383 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | Sufficient reserves to meet underwriting requirements and PITI were not verified in the file. The UW summary document indicates that reserves and cash to close would be derived from a simultaneous refinance closing; However, documentation confirming these funds, such as a HUD-XXXX Settlement statement, was not provided in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HUD1<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2131383 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Financed Properties | XXXX | The subject loan does not meet Program Parameters for Financed Properties.XXXX will not finance more than XXXX% of the units in any oneproject, or a property with single entity ownership greater than XXXX%. All properties in the condominium are owned by the same Borrower. A declined exception form was present for this issue, but no subsequent accepted exception form was in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> PC<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2131383 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2127058 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127058 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127058 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2132214 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Closing Information/Closing Date | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Closing Date when compared to the notary signature date on the Security Instrument. Truth in XXXX (Regulation Z) 12 CFR 1026.38(a)(3)(ii) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2132214 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Closing Information/Disbursement Date | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Disbursement Date. Truth in XXXX (Regulation Z) 12 CFR 1026.38(a)(3)(iii). | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2132214 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2132214 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2129542 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129542 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129542 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127947 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the Settlement statement provided in the loan file was the FINAL binding Settlement statement, as it was not signed, stamped or certified. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2127947 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | The guidelines indicate the most recent XXXX months or the length of the mortgage must be documented for the subject property and primary residence. Further, properties owned free and clear require a property profile report or similar document showing no liens against the property should be included in the credit file. The XXXX indicates the Borrower owns their primary residence located at XXXX, XXXX XXXX with no outstanding mortgages. The property report for the primary residence reflects as of XX/XX/XXXX; the property is owned by XXXX. The loan file is missing documentation to support the Borrower owns their primary residence free and clear and/or has ownership interest in XXXX. Additional Conditions May Apply | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> deeds<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2127947 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2126941 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126941 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters Escrows/Impound Waivers. The subject transaction was a rate/term refinance of a primary residence. Per the lender's guidelines no portion of the loan proceeds may be used to pay property taxes for a rate/term refinance transaction. A review of the final CD reflects property taxes were paid in the amount of $XXXX. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> no proceeds used for taxes<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Void)<br>**  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126941 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126956 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126956 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126956 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125260 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125260 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125260 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127935 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. The HUD-XXXX was not signed, marked as Final, and/or stamped as certified true and accurate. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2127935 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The loan file is missing the operating agreement as required by the lender guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> resolution provides the required information<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2127935 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2129566 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2129566 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender exception was provided to allow for unit XXXX of subject property to be below the required XXXX ft. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: credit XXXX and more than XXXX months reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2129566 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2126966 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126966 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126966 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126963 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126963 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126963 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127060 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prohibited Fees | XXXX | The loan failed the XXXX prohibited lender fees test. This test includes the following fees: Collateral Desktop Analysis Fee. The loan charged more than one appraisal fee. (XXXX Fin. Code §XXXX) The loan fails the prohibited fees test by $XXXX. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2127060 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX provided for less than XXXX full months for verification of rent. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: XXXX |  | 3 | 2 | 3 | 2 |
| XXXX | 2127060 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX provided for partial payments for rents for current residence. He splits the rents with domestic partner. One month was paid in cash. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: XXXX |  | 3 | 2 | 3 | 2 |
| XXXX | 2127060 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2129555 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2129555 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Other | XXXX | Lender exception provided in the loan file to allow previously used personal bank account receiving XXXX payments and subsequently switched to business account. Exception to allow combination of business and personal accounts. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: XXXX higher than XXXX and at least XXXX points higher than guideline minimum, XXXX months of PITIA post closing reserves |  | 4 | 2 | 3 | 2 |
| XXXX | 2129555 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender exception provided in file to allow borrower living rent free with a XXXX% DTI and XXXX% LTV which exceeds the investor guidelines of XXXX% and XXXX% DTI and LTV of XXXX%. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: XXXX higher than XXXX and at least XXXX points higher than guideline minimum, XXXX months of PITIA post closing reserves |  | 3 | 2 | 3 | 2 |
| XXXX | 2129555 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2123328 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123328 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123328 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123327 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2123327 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Aged | XXXX | XXXX for credit report was expired at the time of closing based on guides. The credit report was > XXXX from the URLA date at the time of closing. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exception provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: XXXX, Experienced Investor, DSCR XXXX, XXXX and Depth |  | 3 | 2 | 3 | 2 |
| XXXX | 2123327 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2129581 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129581 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129581 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125259 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125259 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125259 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127062 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2127062 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2127062 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129547 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129547 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | XXXX in file for rural property approved above XXXX of XXXX% for a cash out refinance. Client to approve downgrading finding based on compensating factors. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exception not required<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation and documentation received is sufficient. (Resolved)<br>**  |  | Compensating Factors: FICO higher than XXXX and XXXX points higher than guideline minimum, Monthly reserves verified and at least XXXX months more than guideline minimum, Housing payment history is XXXX x XXXX x XXXX |  | 3 | 1 | 3 | 1 |
| XXXX | 2129547 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129582 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129582 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129582 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129576 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129576 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The Note was dated XX/XX/XXXX. The lender guidelines and underwriting conditional approval required a gap credit or undisclosed debt monitoring report no more than XXXX days prior to the loan closing or any time after closing. The undisclosed debt monitoring report was not provided as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2129576 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2126958 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126958 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126958 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127939 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2127939 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Alerts | XXXX | The credit report contains a fraud alert which has not been adequately addressed in the loan file. Per the lender's guidelines if the borrower has an alert present on his/her credit report, then the underwriter must complete the FACTA Fraud Alert Verification form to independently verify the borrower's identity before issuing a clear to close. The loan file did not contain a Fraud Alert Verification form. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2127939 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129549 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2129549 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2129549 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a desk review, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2129577 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129577 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129577 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129583 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129583 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129583 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127938 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2127938 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2127938 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2125263 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX% the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125263 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125263 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129551 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129551 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129551 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA Dated XX/XX/XXXX supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129552 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129552 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129552 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2131381 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | XXXX | Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2131381 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2131381 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2125269 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125269 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125269 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129554 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129554 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129554 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127953 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127953 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127953 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127954 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX prepayment term, the loan has XXXX prepayment term. The loan fails the prepayment test by XXXX months. This loan failed the prepayment test. The loan has a prepayment amount that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum prepayment penalty amount of XXXX, the loan has a prepayment penalty amount of XXXX. The loan fails the prepayment test by XXXX. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2127954 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2127954 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2132216 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2132216 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX provided for Rent-Free First Time Homebuyer with LTV above max of XXXX% due to appraisal declining market (at XXXX%). Client to approve downgrading finding based on compensating factors. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | Compensating Factors: XXXX, DTI XXXX% |  | 3 | 1 | 3 | 1 |
| XXXX | 2132216 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2132472 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX% the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2132472 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State HPML | XXXX | The loan failed the State HPML. This loan failed the XXXX XXXX higher-priced mortgage loan test. (XXXX XXXX, XXXX Financial Code Division XXXX 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXXX Financial Code. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2132472 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2132472 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129559 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2129559 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided for "loan amount of $XXXXamd LTV of XXXX%." Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> approval<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: FICO of XXXX/XXXX, which is over XXXX points higher than guideline minimum, DSCR higher than XXXX, excellent mtg history since XXXX, excellent credit history since XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2129559 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2129562 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129562 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129562 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129561 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129561 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129561 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129563 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2129563 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | A lender exception was provided to allow for the borrowers XXXX NSF/OD's in the past XXXX months. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: borrower has a credit XXXX |  | 3 | 2 | 3 | 2 |
| XXXX | 2129563 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2131388 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2131388 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2131388 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129544 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2129544 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | A lender exception was provided for the loan amount of $XXXX being less than the required minimum of $XXXXK. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: credit XXXX and 0x30 on mortgage history. |  | 3 | 2 | 3 | 2 |
| XXXX | 2129544 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2129564 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prohibited Fees | XXXX | The loan failed the XXXX prohibited lender fees test. This test includes the following fees: Collateral Desktop Analysis Fee. The loan fails the prohibited fees test by $XXXX. The loan charged more than one appraisal fee. (XXXX Fin. Code §XXXX) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2129564 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2129564 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2129567 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129567 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129567 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2131385 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2131385 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2131385 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129575 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129575 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129575 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2131386 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2131386 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2131386 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133299 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133299 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133299 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2131392 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Name Discrepancy | XXXX | The Loan Agreement lists the borrowers in their individual name; however, the borrower is an entity. The top of page one as well as the top of Exhibit B require borrower name to be corrected to reflect the entity name not the individuals. | Void |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Finding voided. (Void)<br>**  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2131392 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2131392 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125824 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125824 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125824 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127879 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127879 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127879 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127877 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127877 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127877 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133290 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2133290 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | The borrowing entity is owned by XXXX (XXXX%) and the natural person borrower XXXX (XXXX%). The operating agreement provided indicates both members as managing members. Investor guidelines state an owner regardless of ownership % with direct control of the borrowing entity is considered XXXX and all key principals require a full background check. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> background uploaded<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> documents uploaded<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2133290 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The borrowing entity is owned by XXXX (XXXX%) and the natural person borrower XXXX (XXXX%). Investor guidelines require any member with ownership in the borrowing entity not being used to qualify for the loan act as a non-qualifying guarantor and sign a guaranty for the loan. The loan file must also include an OFAC check for all non- qualifying guarantors. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX - attaching additional supplemental documentation on the XXXX% member. I will request exception on guaranty requirement from XXXX directly. Thank you<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> uploaded guaranty docs signed by XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Awaiting exception for Guaranty Agreement. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2133290 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2127878 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127878 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127878 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133291 | 1 of 10 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2133291 | 2 of 10 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> signed note is attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2133291 | 3 of 10 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Missing Signature | XXXX | The Note was not fully executed by the borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> uploaded signed LSA<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2133291 | 4 of 10 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Signature | XXXX | The Security Instrument was not fully executed by all required parties. The borrower & notary signature was missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> signed mortgage uploaded <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2133291 | 5 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing HUD | XXXX | Missing HUD as required. The file only contains an incomplete undated Master Statement and a worksheet that reflects costs and cash to borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached &#XXXX;master XXXX; is the HUD, disbursement and settlement date are on page XXXX and it is signed by the borrower on page XXXX <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2133291 | 6 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guidelines for XXXX-XXXX Units require minimum liability insurance of $XXXX per occurrence; however, the subject insurance policy reflects liability coverage per occurrence, as $XXXX, which is less than required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Borrower has an additional umbrella policy, total coverage is $XXXXM<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Sorry - forgot to hit the upload button, should be attached now<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Please provide the referenced policy. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2133291 | 7 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The file is missing an executed Business Purpose of Loan Certification. The file only contains an unsigned copy of the Certification. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> uploaded signed business purpose form<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2133291 | 8 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The file is missing an executed Entity Certificate. The file only contains an unsigned copy. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> uploaded signed entity certificate<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2133291 | 9 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The Guaranty has not been executed by the Guarantor. An unsigned document is in the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> uploaded signed guaranty <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2133291 | 10 of 10 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2127881 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127881 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127881 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127880 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127880 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127880 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |

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## Exhibit 99.06

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.06 - Schedule 3**

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| **Loan Number** | **Loan ID** | **Original Loan Amount** | **DD Start Date** | **DD Delivery Date** | **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 | 2128087 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2128081 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2128089 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2130382 | XXXX | XXXX | XXXX | 3 | 2 | 2 | 2 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2133228 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2133227 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2128075 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2128063 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2128085 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2133211 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2130371 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2128059 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2128058 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2128062 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2133199 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2130360 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2128094 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2128082 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2130378 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 2128093 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2133201 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 3 | 1 C A |
| XXXX | 2133224 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2133222 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2130383 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2130369 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2128088 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2128100 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2133192 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2130393 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2130380 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2128067 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2133207 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2133200 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2133194 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2133196 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2128090 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2130394 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2133198 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2133193 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2130376 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 2 | 2 B A |
| XXXX | 2128070 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 2128066 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 2128097 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2128084 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2128056 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2133208 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2130379 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2133221 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2130373 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2130391 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2130385 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2128098 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2133210 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2130368 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2133216 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2130357 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2133195 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2128086 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2128061 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2128078 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2130356 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2133229 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2130359 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2128068 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2130361 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2130386 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2128071 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2128074 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2128076 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2133204 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2128095 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2133203 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2130365 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2133215 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2133217 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2133212 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2133218 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 2130377 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2130390 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2128091 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2128099 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2128060 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2133197 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2130388 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2128069 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2128077 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2133220 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2133213 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2130389 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2128080 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2126905 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2130381 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2128096 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2130375 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2128092 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B A |
| XXXX | 2128065 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2130372 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2130363 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2130384 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2133226 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B A |
| XXXX | 2128064 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2133225 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 2130366 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2128072 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2130370 | XXXX | XXXX | XXXX | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2130367 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 3 | 1 C B A |
| XXXX | 2127881 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2127880 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2133291 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2127877 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2133290 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2127879 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2127878 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2129724 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2132152 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2129726 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2129727 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2132153 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2129730 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2129729 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2132151 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2127021 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2129725 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2127020 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2132333 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2132338 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2132341 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2132339 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2132336 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2132335 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2132340 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2132343 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2132331 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2124419 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2124420 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2124417 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2122522 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2132334 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2132332 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2122518 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2122520 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2132337 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2132342 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2132146 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2132150 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2132149 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2127027 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2125599 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2127030 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2127028 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2127029 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2127026 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2127024 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2132144 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2125600 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2127023 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2119364 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2123020 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2125820 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2133292 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2125821 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2125824 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2125822 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2125823 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2132290 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2125631 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2128108 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2128102 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2125618 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2128101 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2132291 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2132289 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2129604 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2129605 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2132288 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2132287 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2132293 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2132292 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2128110 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2128113 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2125630 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2128107 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2128103 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2128104 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2128105 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2125622 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2128106 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2125624 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2125625 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2125623 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2128114 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2128111 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2128112 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2125620 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2125628 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2128116 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2128117 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2128109 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2125627 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2125626 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2125629 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2125621 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2125619 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2128115 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2129602 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 3 | 1 C B A |
| XXXX | 2129517 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2124096 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2120578 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2123466 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2120579 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2123464 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2123467 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2123465 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2125819 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2125777 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2125780 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2125782 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
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| XXXX | 2119368 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2119367 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2119369 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2121358 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2116187 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2131569 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2129399 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A |
| XXXX | 2131568 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A |

---

## Exhibit 99.06

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.06 - Schedule 4**

Valuation Securitization Report

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |
| **Customer Loan ID** | **Seller Loan ID** | **Subject Address** | **Subject City** | **Subject State** | **Subject Zip** | **Note Date** | **Original Loan Amount** | **Sales Price** | **PIW Indicator** | **Appraised Value** | **Value for LTV** | **Appraisal Form Type** | **Appraisal Date** | **Appraisal Company Name** | **AVM Confidence Score** | **AVM FSD Score** | **Market Condition** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **AVM FSD Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| XXXX | 2124417 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2122518 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |
| XXXX | 2122522 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2132331 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2124420 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2122520 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2132335 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2132338 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -0.430% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2132336 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2132332 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2132333 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2132334 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2124419 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2132341 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.566% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2132339 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2132337 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2132340 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2132343 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2132342 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |
| XXXX | 2124096 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129517 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129726 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129727 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.333% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129725 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129724 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129724-01 | XXXX | XXXX | XX | XXXX |  | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129724-02 | XXXX | XXXX | XX | XXXX |  | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127020 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127021 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129729 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132153 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132151 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129730 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132152 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128115 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132292 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128101 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125619 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125627 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125626 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128109 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128108 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128108-01 | XXXX | XXXX | XX | XXXX |  | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.859% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128108-02 | XXXX | XXXX | XX | XXXX |  | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128108-03 | XXXX | XXXX | XX | XXXX |  | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128108-04 | XXXX | XXXX | XX | XXXX |  | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128108-05 | XXXX | XXXX | XX | XXXX |  | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.091% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125628 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125618 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.941% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128102 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.970% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128111 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.632% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128112 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132288 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125629 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -6.122% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125630 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.047% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125620 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125621 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.769% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128110 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132289 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128107 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128116 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128117 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129604 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132290 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132290-01 | XXXX | XXXX | XX | XXXX |  | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -4.545% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132290-02 | XXXX | XXXX | XX | XXXX |  | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132290-03 | XXXX | XXXX | XX | XXXX |  | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132290-04 | XXXX | XXXX | XX | XXXX |  | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132290-05 | XXXX | XXXX | XX | XXXX |  | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128113 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128114 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129602 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128103 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128104 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.975% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128105 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.125% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125622 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -1.840% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128106 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125624 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125625 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125623 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125631 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125631-01 | XXXX | XXXX | XX | XXXX |  | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125631-02 | XXXX | XXXX | XX | XXXX |  | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125631-03 | XXXX | XXXX | XX | XXXX |  | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125631-04 | XXXX | XXXX | XX | XXXX |  | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.722% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129605 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.303% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132287 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.172% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132291 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132293 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133271 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.143% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127771 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127771-01 | XXXX | XXXX | XX | XXXX |  | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127771-02 | XXXX | XXXX | XX | XXXX |  | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -4.348% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133272 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133275 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133277 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129606 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125840 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | Form 71A | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133280 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133273 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125844 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129607 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127773 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125842 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125845 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.732% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125841 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125843 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133278 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125846 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133279 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129610 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129608 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129612 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133281 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129611 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129609 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127774 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133282 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129362 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129321 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129307 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -1.558% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129323 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129319 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -2.655% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129341 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004C | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129368 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129369 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -33.289% | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129355 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -6.000% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | -4.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129349 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129345 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129318 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129342 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004C | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129390 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129311 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129316 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129356 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129332 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129346 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129376 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129313 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129357 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129327 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129322 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129377 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129324 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129312 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129347 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129391 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129335 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129333 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129334 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129348 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129360 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129309 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129308 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129378 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129367 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129314 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129363 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129375 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129361 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129392 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129387 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129350 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129366 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129382 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129364 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129379 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129328 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129340 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129365 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.500% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129371 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129393 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.684% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129388 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129336 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129358 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129353 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 1.724% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129383 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129394 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129352 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129326 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129372 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129329 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129337 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129384 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129338 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129354 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -0.475% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129339 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129317 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129373 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129344 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129330 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129331 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129374 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.929% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129397 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129359 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129398 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129385 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129386 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121358 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2119369 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 6.629% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128056 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 |
| XXXX | 2119367 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| XXXX | 2128059 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| XXXX | 2128058 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| XXXX | 2120454 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 |
| XXXX | 2120461 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2127002 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126993 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 2126995 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2126994 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2126992 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| XXXX | 2131568 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| XXXX | 2127000 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126997 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126999 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.571% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 |
| XXXX | 2126998 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 2127001 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127003 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127004 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133285 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133284 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130357 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2116187 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130356 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |
| XXXX | 2128060 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | Form 71A | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128064 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128062 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 |
| XXXX | 2133226 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133227 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2128063 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133228 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2119368 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2128065 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2128061 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 |
| XXXX | 2128068 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2128069 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | Form 71A | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128070 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | Form 71A | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130360 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | Form 71A | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128066 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | Form 71A | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128067 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2128072 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |
| XXXX | 2130361 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2133229 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 |
| XXXX | 2133224 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | Form 71A | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130359 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2133222 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | Form 71A | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128075 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | Form 71A | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126905 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| XXXX | 2133225 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2133218 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | Form 71A | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128071 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2133220 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128074 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 |
| XXXX | 2133221 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 |
| XXXX | 2128080 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| XXXX | 2133215 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.675% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128078 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |
| XXXX | 2130365 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |
| XXXX | 2133216 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -4.268% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 |
| XXXX | 2133217 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.675% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130363 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130366 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2128077 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133210 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |
| XXXX | 2130368 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |
| XXXX | 2128076 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2128082 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 |
| XXXX | 2130369 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 2128085 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| XXXX | 2133212 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2133211 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130367 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128081 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130370 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2130372 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 |
| XXXX | 2128084 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2128088 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130373 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | Other | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128086 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | Form 71A | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133213 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2131569 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128089 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2128087 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2130371 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2128090 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2130376 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -13.918% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2128092 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 |
| XXXX | 2130377 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | Other | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128095 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2128093 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2128091 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| XXXX | 2133207 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | Form 71A | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130375 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -4.717% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2130378 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | Other | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130381 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| XXXX | 2133208 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129399 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133203 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2130380 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 2130379 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |
| XXXX | 2128094 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130382 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| XXXX | 2130385 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2130386 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128100 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2133204 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2133201 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | Form 71A | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130383 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 |
| XXXX | 2130384 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128098 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |
| XXXX | 2128099 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133198 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2130390 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.216% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133200 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | Form 71A | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133199 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130389 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130388 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2133196 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2133194 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2128097 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 |
| XXXX | 2133197 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |
| XXXX | 2133195 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130393 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133193 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| XXXX | 2128096 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.231% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| XXXX | 2130394 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2130391 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133192 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133287 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -4.217% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133288 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133286 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133289 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127023 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132146 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125599 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | Other | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.787% | XXXX | XXXX |  |  |  |  |  |
| XXXX | 2119370 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2121353 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2104893 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |
| XXXX | 2133188 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| XXXX | 2115765 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2119374 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2112790 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2125814 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2121355 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2119372 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |
| XXXX | 2125817 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2124113 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2121356 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133189 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2131414 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2131415 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2127027 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125600 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132144 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127030 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127028 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127029 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127026 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127024 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132149 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132150 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121354 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2125816 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2131413 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125777 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2125780 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125782 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 |
| XXXX | 2125783 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |
| XXXX | 2125784 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2125786 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 |
| XXXX | 2125787 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2119364 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2125820 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2125821 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125822 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125823 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133292 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2123020 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 |
| XXXX | 2123467 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2123464 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2120578 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2120579 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2123466 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2123465 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2125819 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2129558 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2079092 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |
| XXXX | 2123323 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126939 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2116801 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2112646 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2126964 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132211 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable | XXXX | XXXX | 2.479% | XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 |
| XXXX | 2096219 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127054 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2129524 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2125237 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2111910 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2125236 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114538 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2116793 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2116847 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114540 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2112626 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123308 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| XXXX | 2120050 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2123286 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2111924 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2111931 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 |
| XXXX | 2111912 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2123284 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2122545 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2120055 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2111911 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2126937 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2117030 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2123290 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2131387 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2116796 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2129525 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2112638 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| XXXX | 2121282 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125238 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2127926 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2111938 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2116821 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 |
| XXXX | 2120056 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 |
| XXXX | 2113821 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| XXXX | 2129526 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| XXXX | 2122534 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.620% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2116834 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2113585 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2122535 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.299% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 |
| XXXX | 2116802 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2116816 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2121268 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2121271 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2112640 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |
| XXXX | 2111923 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2120065 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 |
| XXXX | 2114551 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.068% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2117033 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 |
| XXXX | 2121304 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 |
| XXXX | 2120064 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2120049 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 2129527 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2122532 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2120052 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 |
| XXXX | 2116805 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| XXXX | 2116806 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2116807 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| XXXX | 2129528 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2113587 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2113589 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2111929 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| XXXX | 2120067 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2126943 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2116859 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 |
| XXXX | 2123287 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2116836 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2121272 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2117046 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2122540 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2113824 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2123285 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |
| XXXX | 2116811 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2121269 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2116812 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2117041 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2114548 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2129529 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |
| XXXX | 2125239 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2125258 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2125266 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126938 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| XXXX | 2121270 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2116848 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2116823 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2121291 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2125240 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2120057 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2123325 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2116815 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| XXXX | 2117050 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2116820 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2117036 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2116863 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2113592 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2126940 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2125241 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2125250 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2123288 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2116822 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2112657 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |
| XXXX | 2123289 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2116824 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 |
| XXXX | 2123292 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121300 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2123296 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 |
| XXXX | 2131377 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2121273 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2127937 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 |
| XXXX | 2116828 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2121277 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2116830 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2129556 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -20.000% | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | -20.000% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123291 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2117051 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2116864 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2129537 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -20.588% | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | -5.392% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 |
| XXXX | 2116831 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| XXXX | 2122536 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2123294 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125242 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2126951 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2116835 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2117048 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2117042 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2116853 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2120059 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 |
| XXXX | 2125243 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2116844 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 |
| XXXX | 2120085 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2126942 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 2122537 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2123312 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2120061 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2125245 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.714% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |
| XXXX | 2120060 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2123314 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126961 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2126947 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |
| XXXX | 2127952 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2129534 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2116832 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2123295 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2120066 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2126945 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2127059 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -4.192% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123297 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2123316 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 2120068 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2127931 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2123305 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2123322 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.884% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 |
| XXXX | 2120080 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2120087 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2125257 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2126957 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2126946 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2129578 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120070 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2127928 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121288 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2123298 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2125248 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121297 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |
| XXXX | 2133298 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 2116851 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2123300 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125249 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125247 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2123301 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |
| XXXX | 2132218 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 |
| XXXX | 2126950 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2125264 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129553 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2126944 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2123321 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 |
| XXXX | 2122544 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 |
| XXXX | 2125251 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 |
| XXXX | 2122539 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121295 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2127057 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2129535 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2125252 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 |
| XXXX | 2116866 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2120074 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2129560 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2125254 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2123302 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 |
| XXXX | 2129550 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2120086 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2123303 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2123304 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2121305 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2125267 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2129536 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123310 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2126948 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2125270 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2127933 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127930 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| XXXX | 2123326 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2125262 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2122538 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable | XXXX | XXXX | 1.299% | XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2125253 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2121298 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126955 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2126949 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2132471 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |
| XXXX | 2127061 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 |
| XXXX | 2123317 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2123311 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2127940 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| XXXX | 2120081 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2123324 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120083 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2133295 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| XXXX | 2129540 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2126965 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| XXXX | 2131380 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2126953 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| XXXX | 2126960 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.643% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 |
| XXXX | 2122543 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| XXXX | 2129568 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125256 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2127941 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2125268 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |
| XXXX | 2122546 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132213 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2131382 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 |
| XXXX | 2131384 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2127927 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2131383 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 |
| XXXX | 2127058 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |
| XXXX | 2132214 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129542 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2127947 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 |
| XXXX | 2126941 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 |
| XXXX | 2126956 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2125260 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2127935 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2129566 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126966 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2126963 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |
| XXXX | 2127060 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2129555 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123328 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2123327 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129581 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2125259 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127062 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2129547 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2129582 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2129576 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2126958 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2127939 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2129549 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129577 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |
| XXXX | 2129583 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2127938 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2125263 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 2129551 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129552 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2131381 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 |
| XXXX | 2125269 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2129554 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2127953 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127954 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2132216 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2132472 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2129559 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129562 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2129561 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2129563 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2131388 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| XXXX | 2129544 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129564 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129567 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2131385 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2129575 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| XXXX | 2131386 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2133299 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2131392 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2125824 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2127879 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127877 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133290 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127878 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133291 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127881 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -4.545% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127880 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.06

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.06 - Schedule 5**

---

| | | |
|:---|:---|:---|
| **Fields Reviewed** | **Discrepancy Count** | **Percentage** |
| Amortization Term in Months | 20 | 3.01% |
| Appraised Value | 15 | 2.26% |
| CLTV | 14 | 2.11% |
| Debt Service Coverage Ratio | 186 | 27.97% |
| First Payment Due Date | 4 | 0.60% |
| Loan Purpose | 11 | 1.65% |
| LTV | 30 | 4.51% |
| Maturity Date | 23 | 3.46% |
| Original Interest Rate | 1 | 0.15% |
| Original Loan Amount | 1 | 0.15% |
| Original Qualifying FICO Score | 8 | 1.20% |
| Origination/Note Date | 17 | 2.56% |
| Originator Back-End DTI | 14 | 2.11% |
| Property Type | 37 | 5.46% |
| Sales Price | 1 | 0.15% |
| The Original Principal and Interest Payment Amount | 1 | 0.15% |

---

## Exhibit 99.06

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.06 - Schedule 6**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Audit ID** | **Loan Number** | **Loan ID** | **Borrower Last Name** | **Field** | **Tape Data** | **Review Data** |
| XXXX | XXXX | 2124417 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2122518 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2122522 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2132331 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2124420 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2122520 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2132335 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2132338 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2132336 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2132332 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2132332 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2132333 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2132334 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2124419 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2132341 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2132339 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2132337 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2132340 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2132343 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2132342 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2124096 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2129517 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2129517 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2129726 | XXXX | Property Type | SFR-Detached | 1 Family Attached |
| XXXX | XXXX | 2129725 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2127020 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2129729 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2129729 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2132153 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2132153 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2132151 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2129730 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2129730 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2132152 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2128115 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2132292 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2128101 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2125627 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2125627 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2125627 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2125626 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2125626 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2125626 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2128102 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2128102 | XXXX | Loan Purpose | Cash Out Refinance | Limited Cash-Out (GSE Definition) |
| XXXX | XXXX | 2128112 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2125629 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2125629 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2125630 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2125620 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2128107 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2128107 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2128107 | XXXX | Property Type | Multi Family | Condo, Low Rise - 4 or fewer stories |
| XXXX | XXXX | 2128116 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2132290 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2132290 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2132290 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2128113 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2129602 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2128103 | XXXX | Property Type | Multi Family | Condo, Low Rise - 4 or fewer stories |
| XXXX | XXXX | 2128104 | XXXX | Property Type | Multi Family | Condo, Low Rise - 4 or fewer stories |
| XXXX | XXXX | 2128105 | XXXX | Property Type | Multi Family | Condo, Low Rise - 4 or fewer stories |
| XXXX | XXXX | 2125622 | XXXX | Property Type | Multi Family | Condo, Low Rise - 4 or fewer stories |
| XXXX | XXXX | 2128106 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2128106 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2128106 | XXXX | Property Type | Multi Family | Condo, Low Rise - 4 or fewer stories |
| XXXX | XXXX | 2125624 | XXXX | Property Type | Multi Family | Condo, Low Rise - 4 or fewer stories |
| XXXX | XXXX | 2125625 | XXXX | Property Type | Multi Family | Condo, Low Rise - 4 or fewer stories |
| XXXX | XXXX | 2125623 | XXXX | Property Type | Multi Family | Condo, Low Rise - 4 or fewer stories |
| XXXX | XXXX | 2129605 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2132291 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2132293 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2132293 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2133271 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2133271 | XXXX | Property Type | SINGLE FAMILY | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2127771 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2127771 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2133272 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2133277 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2133277 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2129606 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2125840 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2125840 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2125840 | XXXX | Property Type | XXXX | XXXX |
| XXXX | XXXX | 2133273 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2125844 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2129607 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2129607 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2129607 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2129607 | XXXX | Property Type | SFR | Condo, Low Rise - 4 or fewer stories |
| XXXX | XXXX | 2127773 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2127773 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2127773 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2125842 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2125841 | XXXX | First Payment Due Date | XXXX | XXXX |
| XXXX | XXXX | 2125841 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2125843 | XXXX | Loan Purpose | RATE/TERM REFI | Cash Out: Other/Multipurpose/Unknown purpose |
| XXXX | XXXX | 2133278 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2125846 | XXXX | Property Type | SINGLE FAMILY | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2129612 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2133281 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2129611 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2129611 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2129611 | XXXX | First Payment Due Date | XXXX | XXXX |
| XXXX | XXXX | 2129611 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2129609 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2133282 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2133282 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2129362 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2129321 | XXXX | Property Type | Detached SFR | 1 Family Attached |
| XXXX | XXXX | 2129307 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2129307 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2129355 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2129345 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2129345 | XXXX | Loan Purpose | Refinance (Rate/Term) | Cash Out: Debt Consolidation- Proceeds used to pay |
| XXXX | XXXX | 2129390 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2129316 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2129356 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2129322 | XXXX | Property Type | Detached SFR | 1 Family Attached |
| XXXX | XXXX | 2129377 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2129312 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2129347 | XXXX | Property Type | Detached SFR | Townhouse |
| XXXX | XXXX | 2129333 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2129348 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2129360 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2129309 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2129308 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2129378 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2129378 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2129367 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2129367 | XXXX | The Original Principal and Interest Payment Amount | XXXX | XXXX |
| XXXX | XXXX | 2129361 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2129361 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2129366 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2129382 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2129364 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2129379 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2129379 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2129340 | XXXX | Loan Purpose | Delayed Purchase | Cash Out: Other/Multipurpose/Unknown purpose |
| XXXX | XXXX | 2129393 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2129358 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2129326 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2129326 | XXXX | Property Type | Detached SFR | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2129330 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2129397 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2129397 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2129398 | XXXX | Property Type | Detached SFR | 1 Family Attached |
| XXXX | XXXX | 2129385 | XXXX | Property Type | Detached SFR | 1 Family Attached |
| XXXX | XXXX | 2129386 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2119369 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2128056 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2128056 | XXXX | First Payment Due Date | XXXX | XXXX |
| XXXX | XXXX | 2128056 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2119367 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2128059 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2128059 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2128058 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2128058 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2127002 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126992 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2131568 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2131568 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2131568 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2127000 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126997 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2127001 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2127004 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2133285 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2133284 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2130357 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2116187 | XXXX | Property Type | SFR | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2130356 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2128060 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2128064 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2128062 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2128062 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2133226 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2133227 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2128063 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2133228 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2119368 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2128065 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2128061 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2128068 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2128069 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2128070 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2128070 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2130360 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2128066 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2128066 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2128067 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2128072 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2128072 | XXXX | Property Type | Detached | 1 Family Attached |
| XXXX | XXXX | 2130361 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2130361 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2133229 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2133224 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2130359 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2133222 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2128075 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126905 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2133225 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2133218 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2128071 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2133220 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2128074 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2133221 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2128080 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2133215 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2133215 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2128078 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2130365 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2133216 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2133217 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2133217 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2130363 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2130366 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2128077 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2133210 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2133210 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2130368 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2128076 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2128082 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2128082 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2130369 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2130369 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2133212 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2133212 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2133212 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2133211 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2130367 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2128081 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2130372 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2128084 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2128088 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2130373 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2128086 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2133213 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2131569 | XXXX | Property Type | SFR | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2128089 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2128087 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2130371 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2128090 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2130376 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2130376 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2128092 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2130377 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2128095 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2128093 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2128091 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2133207 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2130375 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2130378 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2130381 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2130381 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2133208 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2133208 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2129399 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2129399 | XXXX | Property Type | SFR | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2133203 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2130380 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2130379 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2128094 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2130382 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2130385 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2130386 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2128100 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2133204 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2133201 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2130383 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2130384 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2128098 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2128099 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2133198 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2133198 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2130390 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2130390 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2133200 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2133199 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2130389 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2130388 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2133196 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2133194 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2128097 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2133197 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2133197 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2133195 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2130393 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2133193 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2128096 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2130394 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2130394 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2130391 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2133192 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2133287 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2133288 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2133289 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2127023 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2132146 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2125599 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2119370 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2119370 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2115765 | XXXX | Property Type | SFR | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2119374 | XXXX | Sales Price | XXXX | XXXX |
| XXXX | XXXX | 2112790 | XXXX | Property Type | SFR | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2125814 | XXXX | Property Type | SFR | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2119372 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2119372 | XXXX | Property Type | SFR | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2125817 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2121356 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2121356 | XXXX | Property Type | SFR | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2133189 | XXXX | Property Type | SFR | 4 Family |
| XXXX | XXXX | 2131414 | XXXX | Property Type | SFR | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2131415 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2127027 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2125600 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2132144 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2127030 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2127028 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2127029 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2127026 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2127024 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2127024 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2132149 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2132150 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2131413 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2125777 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2125780 | XXXX | Property Type | Detached | Condo, Low Rise - 4 or fewer stories |
| XXXX | XXXX | 2125782 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2125784 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2125784 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2125784 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2125787 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2119364 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2119364 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2125822 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2133292 | XXXX | Loan Purpose | Rate/Term Refinance -- Borrower initiated | First Time Home Purchase, as defined by American R |
| XXXX | XXXX | 2123020 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2123020 | XXXX | Property Type | SFR | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2123467 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2120578 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2120579 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2129558 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2129558 | XXXX | Loan Purpose | NoCash-Out Refinance | Cash Out: Other/Multipurpose/Unknown purpose |
| XXXX | XXXX | 2079092 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2125238 | XXXX | First Payment Due Date | XXXX | XXXX |
| XXXX | XXXX | 2125238 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2127926 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2122534 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2123287 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2122540 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2123285 | XXXX | Property Type | Attached | Townhouse |
| XXXX | XXXX | 2125250 | XXXX | Loan Purpose | NoCash-Out Refinance | Cash Out: Debt Consolidation- Proceeds used to pay |
| XXXX | XXXX | 2129556 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2129537 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2126961 | XXXX | Property Type | Attached | Single Family Detached non-PUD |
| XXXX | XXXX | 2127059 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2123322 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2126957 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2129578 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2125249 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126944 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2123324 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2129568 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2131382 | XXXX | Loan Purpose | Cash-Out Refinance | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2131384 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2131384 | XXXX | Loan Purpose | Cash-Out Refinance | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2131383 | XXXX | Loan Purpose | Cash-Out Refinance | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2129566 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126966 | XXXX | Property Type | Attached | Single Family Detached non-PUD |
| XXXX | XXXX | 2125269 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2129559 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2129564 | XXXX | Property Type | Detached | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2127879 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2127879 | XXXX | Loan Purpose | Delayed Purchase | Cash Out: Other/Multipurpose/Unknown purpose |
| XXXX | XXXX | 2127877 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2127877 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2133290 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2127881 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2127881 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2127881 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2127881 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2127880 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |

---

## Exhibit 99.06

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.06 - Schedule 7**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Program** | **Document Type** | **Asset Depletion Flag** | **Length of Income Verification in months** | **Investment DSCR (Rent/PITIA)** | **Rent DSCR** | **PITIA DSCR** | **Number of Borrowers** | **Number of Natural Borrowers** | **Borrower/Guarantor Resident Indicator National** | **Co Borrower/Guarantor Resident Indicator** | **Borrower 3/Guarantor Resident Indicator** | **Borrower 4/Guarantor Resident Indicator** | **Borrower Guarantor/Employment Indicator** | **Co Borrower/Guarantor Employment Indicator** | **Borrower 3 Employment Indicator** | **Borrower 4 Employment Indicator** | **TILA Status** | **Lease in-Place for Investment Property** | **Short Term Rental Flag** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11 (Application Date)** | **Months Bankruptcy 13 (Application Date)** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu (Application Date)** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC) (Application Date)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure (Application Date)** | **Original Qualifying FICO** | **Borrower Original FICO: Equifax** | **Borrower Original FICO: Experian** | **Borrower Original FICO: Transunion** | **Borrower Original FICO** | **Co-Borrower Original FICO: Equifax** | **Co-Borrower Original FICO: Experian** | **Co-Borrower Original FICO: Trans Union** | **Co Borrower Original FICO** | **Borrower 3 Original FICO: Equifax** | **Borrower 3 Original FICO: Experian** | **Borrower 3 Original FICO: Trans Union** | **Borrower 3 Original FICO** | **Borrower 4 Original FICO: Equifax** | **Borrower 4 Original FICO: Experian** | **Borrower 4 Original FICO: TransUnion** | **Borrower 4 Original FICO** |
| XXXX | 2124417 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2122518 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2122522 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Rebuttable Presumption Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132331 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2124420 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2122520 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132335 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132338 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132336 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132332 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen |  |  |  | Self-Employed | Not Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2132333 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132334 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124419 | XXXX | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132341 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132339 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2132337 | XXXX | 1099 | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132340 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2132343 | XXXX | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132342 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124096 | XXXX | DSCR | 0 | 11 months or less income verification | 1.584 | 3950.00 | 2493.53 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129517 | XXXX | DSCR | 0 | 11 months or less income verification | 1.407 | 3400.00 | 2416.27 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129726 | XXXX | DSCR | 0 | 11 months or less income verification | 1.439 | 1425.00 | 990.14 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2129727 | XXXX | DSCR | 0 | 11 months or less income verification | 1.455 | 1425.00 | 979.34 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2129725 | XXXX | DSCR | 0 | 11 months or less income verification | 1.094 | 15261.95 | 13953.94 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129724 | XXXX | DSCR | 0 | 11 months or less income verification | 1.403 | 3600.00 | 2565.45 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127020 | XXXX | DSCR | 0 | 11 months or less income verification | 1.289 | 1713.33 | 1329.68 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2127021 | XXXX | DSCR | 0 | 11 months or less income verification | 1.024 | 2950.00 | 2882.01 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129729 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.127 | 1900.00 | 1685.84 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2132153 | XXXX | DSCR | 0 | 11 Months or Less | 1.575 | 1250.00 | 793.57 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132151 | XXXX | DSCR | 0 | 11 months or less income verification | 1.226 | 2000.00 | 1630.71 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129730 | XXXX | DSCR | 0 | 11 months or less income verification | 1.006 | 2800.00 | 2782.74 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132152 | XXXX | DSCR | 0 | 11 months or less income verification | 1.189 | 1747.00 | 1469.01 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128115 | XXXX | DSCR | 0 | 11 months or less income verification | 1.113 | 1100.00 | 988.73 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132292 | XXXX | DSCR | 0 | 11 months or less income verification | 1.134 | 2850.00 | 2512.19 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128101 | XXXX | DSCR | 0 | 11 months or less income verification | 1.352 | 3815.00 | 2820.99 | 3 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125619 | XXXX | DSCR | 0 | 11 months or less income verification | 1.305 | 1200.00 | 919.30 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2125627 | XXXX | DSCR | 0 | 11 months or less income verification | 1.195 | 2700.00 | 2259.94 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125626 | XXXX | DSCR | 0 | 11 months or less income verification | 1.179 | 2700.00 | 2290.54 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128109 | XXXX | DSCR | 0 | 11 months or less income verification | 1.761 | 1250.00 | 709.73 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128108 | XXXX | DSCR | 0 | 11 months or less income verification | 1.33 | 8934.00 | 6715.52 | 2 | 1 | Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125628 | XXXX | DSCR | 0 | 11 months or less income verification | 1.572 | 2340.00 | 1488.76 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125618 | XXXX | DSCR | 0 | 11 months or less income verification | 1.413 | 4635.00 | 3281.11 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128102 | XXXX | DSCR | 0 | 11 months or less income verification | 1.376 | 3150.00 | 2289.06 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128111 | XXXX | DSCR | 0 | 11 months or less income verification | 1.779 | 1400.00 | 787.03 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128112 | XXXX | DSCR | 0 | 11 months or less income verification | 1.732 | 1340.00 | 773.77 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132288 | XXXX | DSCR | 0 | 12 to 23 months | 1.407 | 1550.00 | 1101.83 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125629 | XXXX | DSCR | 0 | 11 months or less income verification | 1.457 | 1150.00 | 789.31 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2125630 | XXXX | DSCR | 0 | 11 months or less income verification | 1.152 | 1915.00 | 1661.64 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125620 | XXXX | DSCR | 0 | 11 months or less income verification | 1.298 | 1700.00 | 1309.38 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2125621 | XXXX | DSCR | 0 | 11 months or less income verification | 1.032 | 1620.00 | 1570.34 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128110 | XXXX | DSCR | 0 | 11 months or less income verification | 1.571 | 1300.00 | 827.57 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132289 | XXXX | DSCR | 0 | 12 to 23 months | 1.342 | 1695.00 | 1263.46 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128107 | XXXX | DSCR | 0 | 11 months or less income verification | 1.488 | 1800.00 | 1209.95 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128116 | XXXX | DSCR | 0 | 11 months or less income verification | 1.956 | 3660.00 | 1871.03 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128117 | XXXX | DSCR | 0 | 11 months or less income verification | 1.982 | 3400.00 | 1715.54 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129604 | XXXX | DSCR | 0 | 11 months or less income verification | 1.182 | 1800.00 | 1523.08 | 3 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132290 | XXXX | DSCR | 0 | 11 months or less income verification | 1.619 | 7169.00 | 4427.73 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128113 | XXXX | DSCR | 0 | 11 months or less income verification | 1.647 | 1750.00 | 1062.77 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128114 | XXXX | DSCR | 0 | 11 months or less income verification | 1.017 | 1500.00 | 1475.11 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129602 | XXXX | DSCR | 0 | 11 months or less income verification | 1.014 | 2171.00 | 2141.10 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128103 | XXXX | DSCR | 0 | 11 months or less income verification | 1.384 | 1600.00 | 1155.79 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128104 | XXXX | DSCR | 0 | 11 months or less income verification | 1.383 | 1600.00 | 1156.71 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128105 | XXXX | DSCR | 0 | 11 months or less income verification | 1.346 | 1500.00 | 1114.79 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125622 | XXXX | DSCR | 0 | 11 months or less income verification | 1.383 | 1600.00 | 1157.13 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128106 | XXXX | DSCR | 0 | 11 months or less income verification | 1.483 | 1800.00 | 1214.09 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125624 | XXXX | DSCR | 0 | 11 months or less income verification | 1.381 | 1600.00 | 1158.63 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125625 | XXXX | DSCR | 0 | 11 months or less income verification | 1.38 | 1600.00 | 1159.24 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125623 | XXXX | DSCR | 0 | 11 months or less income verification | 1.38 | 1600.00 | 1159.61 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125631 | XXXX | DSCR | 0 | 11 months or less income verification | 1.258 | 6263.00 | 4976.89 | 2 | 1 | Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129605 | XXXX | DSCR | 0 | 11 months or less income verification | 1.277 | 2050.00 | 1605.54 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132287 | XXXX | DSCR | 0 | 12 to 23 months | 1.21 | 2100.00 | 1734.90 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132291 | XXXX | DSCR | 0 | 11 months or less income verification | 1.613 | 2150.00 | 1333.32 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132293 | XXXX | DSCR | 0 | 11 months or less income verification | 1.006 | 2970.00 | 2953.69 | 3 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133271 | XXXX | DSCR | 0 | 11 months or less income verification | 1.049 | 1650.00 | 1573.36 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2127771 | XXXX | DSCR | 0 | 11 months or less income verification | 1.381 | 7100.00 | 5142.71 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133272 | XXXX | DSCR | 0 | 11 months or less income verification | 0.848 | 3100.00 | 3657.78 | 2 | 1 | Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133275 | XXXX | DSCR | 0 | 11 months or less income verification | 1.577 | 1250.00 | 792.61 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133277 | XXXX | DSCR | 0 | 11 months or less income verification | 1.122 | 4000.00 | 3565.21 | 2 | 1 | Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129606 | XXXX | DSCR | 0 | 11 months or less income verification | 1.126 | 1600.00 | 1420.85 | 3 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125840 | XXXX | DSCR | 0 | 11 months or less income verification | 1.126 | 10958.00 | 9735.60 | 4 | 3 | U.S. Citizen | U.S. Citizen | U.S. Citizen |  | Not Employed | Not Employed | Not Employed |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |
| XXXX | 2133280 | XXXX | DSCR | 0 | 11 months or less income verification | 1.392 | 4700.00 | 3377.03 | 2 | 2 | U.S. Citizen |  |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2133273 | XXXX | DSCR | 0 | 11 months or less income verification | 1.056 | 900.00 | 852.42 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2125844 | XXXX | DSCR | 0 | 11 months or less income verification | 1.7 | 2575.00 | 1479.88 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2129607 | XXXX | DSCR | 0 | 12 to 23 months | 0.883 | 2475.00 | 2803.16 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127773 | XXXX | DSCR | 0 | 11 months or less income verification | 1.21 | 1160.00 | 958.69 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2125842 | XXXX | DSCR | 0 | 11 months or less income verification | 1.006 | 2300.00 | 2285.86 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125845 | XXXX | DSCR | 0 | 11 months or less income verification | 1.092 | 2640.00 | 2417.48 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125841 | XXXX | DSCR | 0 | 11 months or less income verification | 1.002 | 2300.00 | 2294.55 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125843 | XXXX | DSCR | 0 | 11 months or less income verification | 1.118 | 1810.00 | 1619.50 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133278 | XXXX | DSCR | 0 | 11 months or less income verification | 0.956 | 7000.00 | 7324.65 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125846 | XXXX | DSCR | 0 | 11 months or less income verification | 1.149 | 2650.00 | 2306.34 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2133279 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.158 | 1200.00 | 1035.90 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129610 | XXXX | DSCR | 0 | 12 to 23 months | 1.309 | 1325.00 | 1011.87 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129608 | XXXX | DSCR | 0 | 11 months or less income verification | 0.92 | 3300.00 | 3585.27 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2129612 | XXXX | DSCR | 0 | 12 to 23 months | 1.202 | 1400.00 | 1164.56 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133281 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.407 | 2600.00 | 1848.13 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2129611 | XXXX | DSCR | 0 | 11 months or less income verification | 1.171 | 1795.00 | 1533.49 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129609 | XXXX | DSCR | 0 | 11 Months or Less | 0.864 | 6000.00 | 6942.25 | 4 | 3 | U.S. Citizen | U.S. Citizen | U.S. Citizen |  | Not Employed | Not Employed | Not Employed |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |
| XXXX | 2127774 | XXXX | DSCR | 0 | 11 months or less income verification | 1.068 | 1200.00 | 1123.19 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2133282 | XXXX | DSCR | 0 | 12 to 23 months | 1.133 | 3850.00 | 3396.80 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129362 | XXXX | DSCR | 0 | 11 months or less income verification | 1.592 | 3200.00 | 2009.64 | 2 | 1 | Foreign National |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129321 | XXXX | DSCR | 0 | 11 months or less income verification | 1.134 | 1850.00 | 1631.06 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129307 | XXXX | DSCR | 0 | 11 months or less income verification | 1.2 | 2750.00 | 2291.67 | 2 | 1 | Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129323 | XXXX | DSCR | 0 | 11 months or less income verification | 1.939 | 2850.00 | 1469.72 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129319 | XXXX | DSCR | 0 | 11 months or less income verification | 1.352 | 3500.00 | 2588.32 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 | Chapter 13 | 8/4/2022 | 1 |  | 38 |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129341 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.131 | 1600.00 | 1414.75 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129368 | XXXX | DSCR | 0 | 11 months or less income verification | 1.337 | 1500.00 | 1121.93 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129369 | XXXX | DSCR | 0 | 11 months or less income verification | 1.401 | 1350.00 | 963.87 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2129355 | XXXX | DSCR | 0 | 11 months or less income verification | 1.433 | 1952.50 | 1362.07 | 2 | 1 | Non-Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129349 | XXXX | DSCR | 0 | 11 months or less income verification | 1.48 | 1300.00 | 878.12 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129345 | XXXX | DSCR | 0 | 11 months or less income verification | 1.673 | 2860.00 | 1709.97 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129318 | XXXX | DSCR | 0 | 11 months or less income verification | 1.388 | 1800.00 | 1297.27 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129342 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.195 | 1650.00 | 1381.24 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129390 | XXXX | DSCR | 0 | 11 months or less income verification | 2.406 | 2300.00 | 955.80 | 2 | 1 | Foreign National |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129311 | XXXX | DSCR | 0 | 11 months or less income verification | 1.467 | 1100.00 | 749.61 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129316 | XXXX | DSCR | 0 | 11 months or less income verification | 1.305 | 2200.00 | 1686.31 | 3 | 2 | Foreign National | Foreign National |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129356 | XXXX | DSCR | 0 | 11 months or less income verification | 1.469 | 1995.00 | 1358.43 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129332 | XXXX | DSCR | 0 | 11 months or less income verification | 1.193 | 1800.00 | 1508.64 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129346 | XXXX | DSCR | 0 | 11 months or less income verification | 1.238 | 1300.00 | 1050.24 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129376 | XXXX | DSCR | 0 | 11 months or less income verification | 1.152 | 1200.00 | 1041.38 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2129313 | XXXX | DSCR | 0 | 11 months or less income verification | 1.387 | 1320.00 | 951.56 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129357 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.149 | 1940.00 | 1688.17 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129327 | XXXX | DSCR | 0 | 11 months or less income verification | 1.185 | 3500.00 | 2952.71 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129322 | XXXX | DSCR | 0 | 12 to 23 months | 1.472 | 2150.00 | 1460.51 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129377 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.235 | 5200.00 | 4212.03 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129324 | XXXX | DSCR | 0 | 12 to 23 months | 1.3 | 1750.00 | 1346.15 | 2 | 1 | Foreign National |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129312 | XXXX | DSCR | 0 | 12 to 23 months | 2.074 | 1347.00 | 649.54 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129347 | XXXX | DSCR | 0 | 12 to 23 months | 1.217 | 2500.00 | 2053.64 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129391 | XXXX | DSCR | 0 | 12 to 23 months | 1.338 | 2250.00 | 1681.32 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129335 | XXXX | DSCR | 0 | 12 to 23 months | 1.901 | 2500.00 | 1315.25 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129333 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.591 | 1800.00 | 1131.53 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129334 | XXXX | DSCR | 0 | 12 to 23 months | 1.549 | 1595.00 | 1030.00 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129348 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.702 | 2700.00 | 1586.55 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2129360 | XXXX | DSCR | 0 | 11 months or less income verification | 1.057 | 1975.00 | 1868.39 | 2 | 1 | Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129309 | XXXX | DSCR | 0 | 11 months or less income verification | 1.558 | 1700.00 | 1090.96 | 2 | 1 | Foreign National |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129308 | XXXX | DSCR | 0 | 11 months or less income verification | 1.558 | 1700.00 | 1090.96 | 2 | 1 | Foreign National |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129378 | XXXX | DSCR | 0 | 12 to 23 months | 1.318 | 2000.00 | 1517.54 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129367 | XXXX | DSCR | 0 | 12 to 23 months | 1.367 | 1700.00 | 1243.70 | 2 | 1 | Foreign National |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129314 | XXXX | DSCR | 0 | 12 to 23 months | 1.972 | 1767.00 | 895.87 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129363 | XXXX | DSCR | 0 | 12 to 23 months | 1.498 | 1500.00 | 1001.26 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129375 | XXXX | DSCR | 0 | 12 to 23 months | 1.244 | 1200.00 | 964.43 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2129361 | XXXX | DSCR | 0 | 12 to 23 months | 1.224 | 3975.00 | 3248.06 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129392 | XXXX | DSCR | 0 | 11 months or less income verification | 1.612 | 5400.00 | 3350.49 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129387 | XXXX | DSCR | 0 | 11 months or less income verification | 1 | 1400.00 | 1400.00 | 2 | 1 | Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129350 | XXXX | DSCR | 0 | 12 to 23 months | 1.409 | 2026.00 | 1438.21 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129366 | XXXX | DSCR | 0 | 11 months or less income verification | 1.27 | 1400.00 | 1102.71 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129382 | XXXX | DSCR | 0 | 11 months or less income verification | 1.431 | 2000.00 | 1397.28 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2129364 | XXXX | DSCR | 0 | 12 to 23 months | 1.465 | 1670.00 | 1139.90 | 3 | 2 | Foreign National | Foreign National |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129379 | XXXX | DSCR | 0 | 11 months or less income verification | 1.211 | 1500.00 | 1238.59 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129328 | XXXX | DSCR | 0 | 12 to 23 months | 1.085 | 1500.00 | 1381.99 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2129340 | XXXX | DSCR | 0 | 11 months or less income verification | 1.206 | 3000.00 | 2488.15 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129365 | XXXX | DSCR | 0 | 11 months or less income verification | 1.017 | 1100.00 | 1081.10 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129371 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.66 | 1280.00 | 770.90 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129393 | XXXX | DSCR | 0 | 12 to 23 months | 1.399 | 1550.00 | 1107.77 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129388 | XXXX | DSCR | 0 | 11 months or less income verification | 1.335 | 1300.00 | 973.44 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129336 | XXXX | DSCR | 0 | 12 to 23 months | 1.189 | 2450.00 | 2060.89 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129358 | XXXX | DSCR | 0 | 11 months or less income verification | 1.296 | 2400.00 | 1851.77 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129353 | XXXX | DSCR | 0 | 11 months or less income verification | 1.111 | 1995.00 | 1795.54 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2129383 | XXXX | DSCR | 0 | 11 months or less income verification | 1.395 | 1570.00 | 1125.34 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129394 | XXXX | DSCR | 0 | 12 to 23 months | 1.25 | 1700.00 | 1360.49 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129352 | XXXX | DSCR | 0 | 11 months or less income verification | 1.416 | 1500.00 | 1059.13 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129326 | XXXX | DSCR | 0 | 12 to 23 months | 1.15 | 2550.00 | 2216.69 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2129372 | XXXX | DSCR | 0 | 12 to 23 months | 1.37 | 1350.00 | 985.60 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129329 | XXXX | DSCR | 0 | 12 to 23 months | 1.082 | 1800.00 | 1664.35 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2129337 | XXXX | DSCR | 0 | 11 months or less income verification | 1.316 | 1300.00 | 987.56 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129384 | XXXX | DSCR | 0 | 12 to 23 months | 1.434 | 2000.00 | 1394.84 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129338 | XXXX | DSCR | 0 | 12 to 23 months | 1.359 | 1400.00 | 1029.91 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129354 | XXXX | DSCR | 0 | 11 months or less income verification | 1.216 | 3350.00 | 2753.98 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129339 | XXXX | DSCR | 0 | 11 months or less income verification | 1.478 | 1300.00 | 879.85 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129317 | XXXX | DSCR | 0 | 12 to 23 months | 1.126 | 2100.00 | 1865.38 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129373 | XXXX | DSCR | 0 | 12 to 23 months | 1.005 | 975.00 | 970.16 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2129344 | XXXX | DSCR | 0 | 11 months or less income verification | 1.311 | 4185.00 | 3191.33 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129330 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.146 | 2400.00 | 2094.78 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129331 | XXXX | DSCR | 0 | 12 to 23 months | 1.356 | 2900.00 | 2138.28 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129374 | XXXX | DSCR | 0 | 12 to 23 months | 1.499 | 1583.00 | 1055.98 | 2 | 1 | Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129397 | XXXX | DSCR | 0 | 11 months or less income verification | 1.706 | 2700.00 | 1582.36 | 3 | 2 | Permanent Resident-Alien | Permanent Resident-Alien |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2129359 | XXXX | DSCR | 0 | 11 months or less income verification | 1.445 | 2800.00 | 1937.36 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129398 | XXXX | DSCR | 0 | 12 to 23 months | 1.639 | 1700.00 | 1037.10 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129385 | XXXX | DSCR | 0 | 12 to 23 months | 1.23 | 1775.00 | 1443.57 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129386 | XXXX | DSCR | 0 | 12 to 23 months | 1.981 | 3030.00 | 1529.80 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121358 | XXXX | 2 Year Alt Doc | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2119369 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128056 | XXXX | DSCR | 0 | 11 months or less income verification | 1.626 | 2200.00 | 1353.04 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2119367 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128059 | XXXX | DSCR | 0 | 11 months or less income verification | 1.02 | 3370.00 | 3303.51 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128058 | XXXX | DSCR | 0 | 11 months or less income verification | 1.004 | 3250.00 | 3237.24 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120454 | XXXX | DSCR | 0 | 11 months or less income verification | 1.185 | 3775.00 | 3186.92 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120461 | XXXX | DSCR | 0 | 11 months or less income verification | 1.136 | 3600.00 | 3169.14 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127002 | XXXX | DSCR | 0 | 11 months or less income verification | 1.457 | 2350.00 | 1612.36 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126993 | XXXX | DSCR | 0 | 11 months or less income verification | 1.072 | 1085.00 | 1012.11 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126995 | XXXX | DSCR | 0 | 11 months or less income verification | 1.001 | 2350.00 | 2346.78 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126994 | XXXX | DSCR | 0 | 11 months or less income verification | 1.006 | 2500.00 | 2486.02 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126992 | XXXX | DSCR | 0 | 11 months or less income verification | 1.139 | 2300.00 | 2019.41 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2131568 | XXXX | Full Documentation | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127000 | XXXX | DSCR | 0 | 11 months or less income verification | 2.057 | 3050.00 | 1482.48 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126997 | XXXX | DSCR | 0 | 11 months or less income verification | 1.03 | 1297.00 | 1259.17 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126999 | XXXX | DSCR | 0 | 11 months or less income verification | 1.335 | 1042.00 | 780.37 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126998 | XXXX | DSCR | 0 | 11 months or less income verification | 1 | 1400.00 | 1399.66 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127001 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.329 | 1350.00 | 1015.92 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127003 | XXXX | DSCR | 0 | 11 months or less income verification | 1.427 | 1550.00 | 1086.48 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127004 | XXXX | DSCR | 0 | 11 months or less income verification | 2.075 | 2200.00 | 1060.00 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133285 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.819 | 1980.00 | 1088.56 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 | Chapter 11 | 4/18/2001 | 3 | 296 |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133284 | XXXX | DSCR | 0 | 12 to 23 months | 1.897 | 2200.00 | 1159.58 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2130357 | XXXX | DSCR | 0 | 11 months or less income verification | 3.87 | 5728.45 | 1480.26 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2116187 | XXXX | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130356 | XXXX | DSCR | 0 | 11 months or less income verification | 1.002 | 1435.00 | 1431.79 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128060 | XXXX | DSCR | 0 | 11 months or less income verification | 1.494 | 7640.00 | 5114.44 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128064 | XXXX | DSCR | 0 | 11 months or less income verification | 1.9 | 6000.00 | 3157.12 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128062 | XXXX | DSCR | 0 | 11 months or less income verification | 1.042 | 1650.00 | 1583.00 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133226 | XXXX | DSCR | 0 | 11 months or less income verification | 1.433 | 3900.00 | 2722.26 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133227 | XXXX | DSCR | 0 | 11 months or less income verification | 1.082 | 2008.00 | 1856.45 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128063 | XXXX | DSCR | 0 | 11 months or less income verification | 2.253 | 5750.00 | 2551.87 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133228 | XXXX | DSCR | 0 | 11 months or less income verification | 1.094 | 1200.00 | 1097.29 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2119368 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2128065 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2128061 | XXXX | DSCR | 0 | 11 months or less income verification | 1.263 | 1500.00 | 1187.63 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128068 | XXXX | DSCR | 0 | 11 months or less income verification | 1.579 | 1775.00 | 1123.89 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128069 | XXXX | DSCR | 0 | 11 months or less income verification | 1.492 | 7840.00 | 5255.55 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128070 | XXXX | DSCR | 0 | 11 months or less income verification | 1.183 | 7279.00 | 6150.44 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2130360 | XXXX | DSCR | 0 | 11 months or less income verification | 1.477 | 11034.00 | 7470.60 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128066 | XXXX | DSCR | 0 | 11 months or less income verification | 1.283 | 7892.00 | 6150.44 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2128067 | XXXX | DSCR | 0 | 11 months or less income verification | 1.714 | 1400.00 | 816.59 | 3 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128072 | XXXX | DSCR | 0 | 11 months or less income verification | 1.316 | 2000.00 | 1519.64 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130361 | XXXX | DSCR | 0 | 11 months or less income verification | 1.265 | 1600.00 | 1264.64 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133229 | XXXX | DSCR | 0 | 11 months or less income verification | 1.09 | 1300.00 | 1192.79 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133224 | XXXX | DSCR | 0 | 11 months or less income verification | 1.475 | 6000.00 | 4067.87 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130359 | XXXX | DSCR | 0 | 11 months or less income verification | 0.97 | 3750.00 | 3864.50 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133222 | XXXX | DSCR | 0 | 11 months or less income verification | 1.533 | 6900.00 | 4500.45 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128075 | XXXX | DSCR | 0 | 11 months or less income verification | 1.349 | 6470.00 | 4797.58 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126905 | XXXX | DSCR | 0 | 11 months or less income verification | 1.363 | 1200.00 | 880.26 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133225 | XXXX | DSCR | 0 | 11 months or less income verification | 1.28 | 1150.00 | 898.54 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133218 | XXXX | DSCR | 0 | 12 to 23 months income verification | 2.138 | 10000.00 | 4676.38 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128071 | XXXX | DSCR | 0 | 11 months or less income verification | 1.45 | 1375.00 | 948.41 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133220 | XXXX | DSCR | 0 | 11 months or less income verification | 1.784 | 1450.00 | 812.66 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128074 | XXXX | DSCR | 0 | 11 months or less income verification | 1.13 | 1350.00 | 1194.18 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133221 | XXXX | DSCR | 0 | 11 months or less income verification | 1.484 | 1300.00 | 875.73 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128080 | XXXX | DSCR | 0 | 11 months or less income verification | 1.723 | 2200.00 | 1277.08 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133215 | XXXX | DSCR | 0 | 11 months or less income verification | 1.048 | 3100.00 | 2956.99 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128078 | XXXX | DSCR | 0 | 11 months or less income verification | 1.25 | 1010.00 | 807.88 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130365 | XXXX | DSCR | 0 | 11 months or less income verification | 1.382 | 5216.00 | 3773.37 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133216 | XXXX | DSCR | 0 | 11 months or less income verification | 1.294 | 1250.00 | 965.81 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133217 | XXXX | DSCR | 0 | 11 months or less income verification | 1.049 | 3100.00 | 2956.32 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130363 | XXXX | DSCR | 0 | 11 months or less income verification | 1.055 | 2000.00 | 1895.18 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130366 | XXXX | DSCR | 0 | 11 months or less income verification | 1.158 | 2700.00 | 2331.25 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128077 | XXXX | DSCR | 0 | 11 months or less income verification | 1.547 | 3900.00 | 2521.58 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133210 | XXXX | DSCR | 0 | 11 months or less income verification | 1.031 | 660.00 | 640.13 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130368 | XXXX | DSCR | 0 | 11 months or less income verification | 1.533 | 1850.00 | 1207.00 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128076 | XXXX | DSCR | 0 | 11 months or less income verification | 1 | 1632.72 | 1632.72 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128082 | XXXX | DSCR | 0 | 11 months or less income verification | 1.344 | 1100.00 | 818.67 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130369 | XXXX | DSCR | 0 | 11 months or less income verification | 1.003 | 1495.00 | 1490.22 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128085 | XXXX | DSCR | 0 | 11 months or less income verification | 1.412 | 1275.00 | 903.00 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133212 | XXXX | DSCR | 0 | 11 months or less income verification | 1.093 | 2090.00 | 1912.92 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133211 | XXXX | DSCR | 0 | 11 months or less income verification | 1.623 | 11000.00 | 6777.39 | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2130367 | XXXX | Full Documentation | 0 | 24 months or more income verification |  |  |  | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2128081 | XXXX | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130370 | XXXX | DSCR | 0 | 11 months or less income verification | 1.092 | 1775.00 | 1625.25 | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2130372 | XXXX | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128084 | XXXX | DSCR | 0 | 11 months or less income verification | 1.224 | 1825.00 | 1491.33 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128088 | XXXX | DSCR | 0 | 11 months or less income verification | 1.75 | 2820.00 | 1611.76 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130373 | XXXX | DSCR | 0 | 11 months or less income verification | 1.307 | 4785.00 | 3662.41 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128086 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.562 | 9300.00 | 5955.34 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133213 | XXXX | DSCR | 0 | 11 months or less income verification | 1.162 | 1050.00 | 903.38 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2131569 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.02 | 1570.00 | 1544.50 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128089 | XXXX | Full Documentation | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2128087 | XXXX | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130371 | XXXX | DSCR | 0 | 11 months or less income verification | 1.465 | 2375.00 | 1620.80 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2128090 | XXXX | DSCR | 0 | 11 months or less income verification | 1.41 | 1300.00 | 922.09 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130376 | XXXX | DSCR | 0 | 11 months or less income verification | 1.445 | 1775.00 | 1228.49 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128092 | XXXX | Full Documentation | 0 | 11 months or less income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130377 | XXXX | DSCR | 0 | 11 months or less income verification | 1.381 | 17800.00 | 12889.35 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2128095 | XXXX | DSCR | 0 | 11 months or less income verification | 2 | 2500.00 | 1250.18 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128093 | XXXX | DSCR | 0 | 11 months or less income verification | 1.13 | 2300.00 | 2034.64 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128091 | XXXX | DSCR | 0 | 11 months or less income verification | 1.44 | 1050.00 | 729.06 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133207 | XXXX | DSCR | 0 | 11 months or less income verification | 1.68 | 6600.00 | 3928.32 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130375 | XXXX | Full Documentation | 0 | 24 months or more income verification |  |  |  | 2 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130378 | XXXX | DSCR | 0 | 11 months or less income verification | 1.52 | 6055.00 | 3983.86 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130381 | XXXX | Full Documentation | 0 | 24 months or more income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133208 | XXXX | DSCR | 0 | 11 months or less income verification | 3.048 | 6270.00 | 2056.95 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129399 | XXXX | DSCR | 0 | 11 months or less income verification | 1.019 | 1950.00 | 1913.12 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133203 | XXXX | DSCR | 0 | 11 months or less income verification | 1.219 | 2900.00 | 2379.53 | 2 | 1 | Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130380 | XXXX | DSCR | 0 | 11 months or less income verification | 1.024 | 3375.00 | 3294.32 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130379 | XXXX | DSCR | 0 | 11 months or less income verification | 2.616 | 2608.00 | 997.02 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128094 | XXXX | DSCR | 0 | 11 months or less income verification | 0.855 | 4200.00 | 4911.20 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130382 | XXXX | Full Documentation | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130385 | XXXX | DSCR | 0 | 11 months or less income verification | 1.721 | 1400.00 | 813.59 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130386 | XXXX | DSCR | 0 | 11 months or less income verification | 1.523 | 3000.00 | 1969.49 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128100 | XXXX | DSCR | 0 | 11 months or less income verification | 1.454 | 1500.00 | 1031.29 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133204 | XXXX | DSCR | 0 | 11 months or less income verification | 1.335 | 1700.00 | 1273.12 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133201 | XXXX | DSCR | 0 | 11 months or less income verification | 1.554 | 14000.00 | 9008.54 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130383 | XXXX | DSCR | 0 | 11 months or less income verification | 1.315 | 2000.00 | 1520.85 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130384 | XXXX | DSCR | 0 | 11 months or less income verification | 1.329 | 2000.00 | 1504.37 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128098 | XXXX | DSCR | 0 | 11 months or less income verification | 1.411 | 1300.00 | 921.09 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128099 | XXXX | DSCR | 0 | 11 months or less income verification | 1.253 | 1900.00 | 1515.97 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133198 | XXXX | DSCR | 0 | 11 months or less income verification | 1.362 | 3228.00 | 2370.05 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130390 | XXXX | DSCR | 0 | 11 months or less income verification | 1.041 | 2900.00 | 2786.14 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133200 | XXXX | DSCR | 0 | 11 months or less income verification | 1.442 | 8300.00 | 5756.20 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133199 | XXXX | DSCR | 0 | 11 months or less income verification | 2.101 | 3150.00 | 1499.63 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130389 | XXXX | DSCR | 0 | 11 months or less income verification | 2.252 | 1800.00 | 799.16 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130388 | XXXX | DSCR | 0 | 11 months or less income verification | 1.396 | 1000.00 | 716.10 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133196 | XXXX | DSCR | 0 | 11 months or less income verification | 1.701 | 2000.00 | 1175.79 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133194 | XXXX | DSCR | 0 | 11 months or less income verification | 1.525 | 1500.00 | 983.91 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128097 | XXXX | DSCR | 0 | 11 months or less income verification | 1.247 | 1700.00 | 1363.03 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133197 | XXXX | DSCR | 0 | 11 months or less income verification | 0.805 | 2850.00 | 3538.36 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133195 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1 | 4619.00 | 4619.28 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130393 | XXXX | DSCR | 0 | 11 months or less income verification | 1.368 | 1695.00 | 1238.87 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133193 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.269 | 1095.00 | 862.59 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128096 | XXXX | Full Documentation | 0 | 24 months or more income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130394 | XXXX | DSCR | 0 | 11 months or less income verification | 1.135 | 1600.00 | 1409.63 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130391 | XXXX | DSCR | 0 | 11 months or less income verification | 1.047 | 3000.00 | 2864.88 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133192 | XXXX | DSCR | 0 | 11 months or less income verification | 1.036 | 2600.00 | 2508.50 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133287 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.866 | 2000.00 | 1071.79 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 | Chapter 11 | 4/18/2001 | 3 | 297 |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133288 | XXXX | DSCR | 0 | 11 months or less income verification | 1.794 | 2000.00 | 1115.07 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133286 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.507 | 1900.00 | 1261.14 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 | Chapter 11 | 4/18/2001 | 3 | 297 |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133289 | XXXX | DSCR | 0 | 11 months or less income verification | 1.676 | 1800.00 | 1073.82 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127023 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.153 | 7300.00 | 6333.25 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2132146 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.449 | 8900.00 | 6144.02 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125599 | XXXX | DSCR | 0 | 11 months or less income verification | 1.499 | 6175.00 | 4118.30 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2119370 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121353 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104893 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133188 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2115765 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2119374 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Rebuttable Presumption Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2112790 | XXXX | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125814 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121355 | XXXX | Full Documentation | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2119372 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125817 | XXXX | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2124113 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121356 | XXXX | Business Bank Stmt: 12 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133189 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.375 | 4800.00 | 3491.10 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2131414 | XXXX | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Rebuttable Presumption Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2131415 | XXXX | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127027 | XXXX | DSCR | 0 | 11 months or less income verification | 1.567 | 2300.00 | 1468.12 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125600 | XXXX | DSCR | 0 | 11 months or less income verification | 1.326 | 2000.00 | 1507.96 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132144 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.182 | 1900.00 | 1606.84 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127030 | XXXX | DSCR | 0 | 11 months or less income verification | 1.071 | 1840.00 | 1718.25 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127028 | XXXX | DSCR | 0 | 11 months or less income verification | 1.182 | 2150.00 | 1818.26 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127029 | XXXX | DSCR | 0 | 11 months or less income verification | 1.449 | 2025.00 | 1397.62 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127026 | XXXX | DSCR | 0 | 11 months or less income verification | 1.115 | 2100.00 | 1883.94 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127024 | XXXX | DSCR | 0 | 11 months or less income verification | 2.057 | 1600.00 | 777.84 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132149 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.144 | 1075.00 | 939.43 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132150 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.189 | 2483.00 | 2088.07 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121354 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125816 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2131413 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 3 | 3 | U.S. Citizen | U.S. Citizen | U.S. Citizen |  | Self-Employed | Self-Employed | Not Employed |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |
| XXXX | 2125777 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125780 | XXXX | DSCR | 0 | 11 months or less income verification | 1.02 | 3000.00 | 2942.08 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125782 | XXXX | DSCR | 0 | 11 months or less income verification | 1.183 | 1550.00 | 1310.20 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125783 | XXXX | DSCR | 0 | 11 months or less income verification | 1.238 | 2650.00 | 2141.18 | 1 | 1 | Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125784 | XXXX | DSCR | 0 | 11 months or less income verification | 1.013 | 2050.00 | 2024.62 | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2125786 | XXXX | DSCR | 0 | 11 months or less income verification | 1.109 | 1725.00 | 1555.27 | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2125787 | XXXX | DSCR | 0 | 11 months or less income verification | 1.129 | 1870.00 | 1656.90 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2119364 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125820 | XXXX | Full Documentation | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2125821 | XXXX | DSCR | 0 | 11 months or less income verification | 0.896 | 1950.00 | 2175.77 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125822 | XXXX | DSCR | 0 | 11 months or less income verification | 1.235 | 2225.00 | 1800.90 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125823 | XXXX | DSCR | 0 | 11 months or less income verification | 1.219 | 2225.00 | 1825.30 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133292 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123020 | XXXX | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123467 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123464 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120578 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120579 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123466 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123465 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125819 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129558 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.964 | 2200.00 | 1120.08 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2079092 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123323 | XXXX | DSCR | 0 | 11 months or less income verification | 1.015 | 5600.00 | 5514.96 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126939 | XXXX | DSCR | 0 | 11 months or less income verification | 1.058 | 1300.00 | 1229.25 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2116801 | XXXX | Full Documentation | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2112646 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2126964 | XXXX | DSCR | 0 | 11 months or less income verification | 1.728 | 3575.00 | 2068.41 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132211 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2096219 | XXXX | DSCR | 0 | 11 months or less income verification | 1.674 | 1390.00 | 830.14 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127054 | XXXX | DSCR | 0 | 11 months or less income verification | 1.447 | 1300.00 | 898.49 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129524 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.419 | 1580.00 | 1113.32 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125237 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2111910 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125236 | XXXX | DSCR | 0 | 11 months or less income verification | 1.195 | 5572.00 | 4664.36 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114538 | XXXX | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2116793 | XXXX | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2116847 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114540 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2112626 | XXXX | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123308 | XXXX | DSCR | 0 | 11 months or less income verification | 1.397 | 2420.00 | 1732.52 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2120050 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123286 | XXXX | DSCR | 0 | 11 months or less income verification | 1.336 | 1450.00 | 1084.99 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2111924 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2111931 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2111912 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2123284 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2122545 | XXXX | DSCR | 0 | 11 months or less income verification | 1.246 | 1300.00 | 1043.23 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120055 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2111911 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126937 | XXXX | DSCR | 0 | 11 months or less income verification | 1.052 | 1050.00 | 997.73 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2117030 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123290 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2131387 | XXXX | DSCR | 0 | 12 to 23 months | 1.087 | 4900.00 | 4508.24 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2116796 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129525 | XXXX | DSCR | 0 | 11 months or less income verification | 1.139 | 4250.00 | 3731.32 | 2 | 1 | Non-Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2112638 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | Permanent Resident-Alien | Permanent Resident-Alien |  |  | Self-Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2121282 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.504 | 2050.00 | 1362.90 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125238 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.23 | 1350.00 | 1097.13 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127926 | XXXX | DSCR | 0 | 12 to 23 months income verification | 0.964 | 1800.00 | 1867.43 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2111938 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2116821 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120056 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2113821 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129526 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.264 | 1200.00 | 949.05 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2122534 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.386 | 5600.00 | 4040.10 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2116834 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2113585 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2122535 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2116802 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2116816 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121268 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121271 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2112640 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2111923 | XXXX | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120065 | XXXX | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114551 | XXXX | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2117033 | XXXX | Full Documentation | 0 | 24 months or more income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121304 | XXXX | Full Documentation | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2120064 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120049 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129527 | XXXX | DSCR | 0 | 12 to 23 months | 1.168 | 3200.00 | 2738.74 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2122532 | XXXX | DSCR | 0 | 11 months or less income verification | 1.197 | 1500.00 | 1253.63 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120052 | XXXX | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2116805 | XXXX | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2116806 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2116807 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129528 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.137 | 1200.00 | 1055.61 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2113587 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2113589 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2111929 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120067 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126943 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2116859 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123287 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.286 | 1300.00 | 1010.55 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2116836 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121272 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2117046 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2122540 | XXXX | DSCR | 0 | 11 months or less income verification | 1.716 | 2800.00 | 1631.82 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2113824 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123285 | XXXX | Full Documentation | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2116811 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | Permanent Resident-Alien | Permanent Resident-Alien |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2121269 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2116812 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2117041 | XXXX | Full Documentation | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114548 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129529 | XXXX | DSCR | 0 | 11 months or less income verification | 1.006 | 1100.00 | 1093.42 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125239 | XXXX | DSCR | 0 | 11 months or less income verification | 1.17 | 2100.00 | 1795.07 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125258 | XXXX | DSCR | 0 | 11 months or less income verification | 1.012 | 3900.00 | 3852.86 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125266 | XXXX | DSCR | 0 | 11 months or less income verification | 1.712 | 2450.00 | 1430.86 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126938 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2121270 | XXXX | Asset Related | 1 | 11 months or less income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2116848 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2116823 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121291 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2125240 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.147 | 1595.00 | 1390.18 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120057 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2123325 | XXXX | DSCR | 0 | 11 months or less income verification | 1.931 | 2242.00 | 1160.92 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2116815 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2117050 | XXXX | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2116820 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2117036 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2116863 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2113592 | XXXX | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2126940 | XXXX | DSCR | 0 | 11 months or less income verification | 1.167 | 2300.00 | 1970.32 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2125241 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.087 | 1565.00 | 1439.21 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125250 | XXXX | Full Documentation | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2123288 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2116822 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2112657 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2123289 | XXXX | DSCR | 0 | 11 months or less income verification | 1.416 | 2400.00 | 1694.85 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2116824 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2123292 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.387 | 2950.00 | 2127.38 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121300 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123296 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2131377 | XXXX | DSCR | 0 | 12 to 23 months | 1.206 | 1900.00 | 1574.84 | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2121273 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127937 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2116828 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121277 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2116830 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129556 | XXXX | DSCR | 0 | 12 to 23 months | 1.684 | 2400.00 | 1425.56 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123291 | XXXX | DSCR | 0 | 11 months or less income verification | 1.099 | 2250.00 | 2047.86 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2117051 | XXXX | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2116864 | XXXX | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129537 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2116831 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2122536 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123294 | XXXX | Full Documentation | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125242 | XXXX | DSCR | 0 | 11 months or less income verification | 1.007 | 1450.00 | 1440.61 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126951 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2116835 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2117048 | XXXX | Full Documentation | 0 | 12 to 23 months income verification |  |  |  | 4 | 3 | U.S. Citizen | U.S. Citizen | U.S. Citizen |  | Self-Employed | Employed | Self-Employed |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |
| XXXX | 2117042 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2116853 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120059 | XXXX | Full Documentation | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125243 | XXXX | DSCR | 0 | 11 months or less income verification | 1.08 | 1350.00 | 1249.76 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2116844 | XXXX | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120085 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126942 | XXXX | DSCR | 0 | 11 months or less income verification | 1.003 | 2200.00 | 2192.42 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2122537 | XXXX | DSCR | 0 | 11 months or less income verification | 1.548 | 1800.00 | 1162.92 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123312 | XXXX | DSCR | 0 | 11 months or less income verification | 1.038 | 1550.00 | 1493.11 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2120061 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125245 | XXXX | DSCR | 0 | 11 months or less income verification | 1.607 | 1650.00 | 1027.01 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120060 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123314 | XXXX | Full Documentation | 0 | 11 months or less income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126961 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126947 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2127952 | XXXX | DSCR | 0 | 11 months or less income verification | 1.078 | 2450.00 | 2272.72 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129534 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2116832 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123295 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2120066 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | Permanent Resident-Alien | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126945 | XXXX | DSCR | 0 | 11 months or less income verification | 1.406 | 1700.00 | 1208.72 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127059 | XXXX | DSCR | 0 | 11 months or less income verification | 1.436 | 1600.00 | 1114.25 | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2123297 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123316 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120068 | XXXX | Full Documentation | 0 | 24 months or more income verification |  |  |  | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2127931 | XXXX | Full Documentation | 0 | 12 to 23 months income verification |  |  |  | 2 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123305 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2123322 | XXXX | DSCR | 0 | 11 months or less income verification | 1.528 | 1750.00 | 1145.00 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2120080 | XXXX | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | Permanent Resident-Alien | Permanent Resident-Alien |  |  | Self-Employed | Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2120087 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125257 | XXXX | DSCR | 0 | 11 months or less income verification | 1.36 | 2200.00 | 1618.01 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126957 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.342 | 1650.00 | 1229.16 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126946 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129578 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.476 | 7900.00 | 5351.90 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120070 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127928 | XXXX | DSCR | 0 | 11 months or less income verification | 1.45 | 2800.00 | 1931.46 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121288 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123298 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125248 | XXXX | DSCR | 0 | 11 months or less income verification | 1.076 | 2000.00 | 1858.69 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121297 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133298 | XXXX | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2116851 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123300 | XXXX | DSCR | 0 | 11 months or less income verification | 1.018 | 4777.84 | 4693.67 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125249 | XXXX | DSCR | 0 | 11 months or less income verification | 1.111 | 5353.00 | 4817.91 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125247 | XXXX | DSCR | 0 | 11 months or less income verification | 1.066 | 1675.00 | 1570.76 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123301 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132218 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.124 | 1372.00 | 1220.72 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126950 | XXXX | DSCR | 0 | 11 months or less income verification | 1.021 | 1450.00 | 1420.75 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125264 | XXXX | DSCR | 0 | 11 months or less income verification | 1.116 | 3800.00 | 3404.99 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129553 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.045 | 1200.00 | 1148.59 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126944 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123321 | XXXX | Full Documentation | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2122544 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125251 | XXXX | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2122539 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.508 | 3575.00 | 2370.11 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121295 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127057 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129535 | XXXX | DSCR | 0 | 11 months or less income verification | 1.234 | 2000.00 | 1620.71 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125252 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2116866 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120074 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129560 | XXXX | DSCR | 0 | 11 Months or Less | 1.008 | 4000.00 | 3967.58 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125254 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123302 | XXXX | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129550 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120086 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123303 | XXXX | DSCR | 0 | 11 months or less income verification | 1.87 | 1930.00 | 1031.92 | 3 | 2 | Permanent Resident-Alien | Permanent Resident-Alien |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2123304 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121305 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125267 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129536 | XXXX | DSCR | 0 | 12 to 23 months | 1.312 | 1400.00 | 1066.73 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123310 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126948 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | Permanent Resident-Alien | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2125270 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127933 | XXXX | DSCR | 0 | 11 months or less income verification | 2.074 | 3000.00 | 1446.24 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2127930 | XXXX | DSCR | 0 | 11 months or less income verification | 1.263 | 1700.00 | 1345.89 | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2123326 | XXXX | DSCR | 0 | 11 months or less income verification | 1.758 | 1900.00 | 1080.83 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125262 | XXXX | DSCR | 0 | 11 months or less income verification | 1.492 | 1700.00 | 1139.69 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2122538 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125253 | XXXX | DSCR | 0 | 11 months or less income verification | 1.025 | 1700.00 | 1658.47 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121298 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126955 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126949 | XXXX | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132471 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127061 | XXXX | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123317 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2123311 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127940 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120081 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123324 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.225 | 2700.00 | 2203.28 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120083 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133295 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129540 | XXXX | Full Documentation | 0 | 24 months or more income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126965 | XXXX | DSCR | 0 | 11 months or less income verification | 1.037 | 1800.00 | 1735.25 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2131380 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126953 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2126960 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2122543 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129568 | XXXX | DSCR | 0 | 11 Months or Less | 1.883 | 2160.00 | 1146.89 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125256 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2127941 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125268 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2122546 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.465 | 2350.00 | 1603.98 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132213 | XXXX | Full Documentation | 0 | 24 months or more income verification |  |  |  | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2131382 | XXXX | DSCR | 0 | 11 months or less income verification | 1.015 | 3500.00 | 3448.17 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2131384 | XXXX | DSCR | 0 | 11 months or less income verification | 1.088 | 4000.00 | 3675.48 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127927 | XXXX | DSCR | 0 | 11 months or less income verification | 1.184 | 1200.00 | 1013.64 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2131383 | XXXX | DSCR | 0 | 11 months or less income verification | 1.007 | 3500.00 | 3475.33 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127058 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132214 | XXXX | DSCR | 0 | 11 months or less income verification | 1.909 | 1750.00 | 916.84 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129542 | XXXX | Asset Related | 1 | 11 months or less income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2127947 | XXXX | DSCR | 0 | 11 months or less income verification | 1.143 | 1000.00 | 874.90 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126941 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126956 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125260 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2127935 | XXXX | DSCR | 0 | 11 months or less income verification | 1.195 | 4250.00 | 3555.15 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129566 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.816 | 2600.00 | 1431.40 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126966 | XXXX | DSCR | 0 | 11 months or less income verification | 1.131 | 1975.00 | 1746.85 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2126963 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127060 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129555 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123328 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123327 | XXXX | DSCR | 0 | 11 months or less income verification | 1.196 | 3000.00 | 2507.97 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129581 | XXXX | DSCR | 0 | 12 to 23 months | 1.165 | 2300.00 | 1974.16 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125259 | XXXX | Full Documentation | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2127062 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129547 | XXXX | DSCR | 0 | 12 to 23 months | 1.103 | 1100.00 | 997.41 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129582 | XXXX | DSCR | 0 | 12 to 23 months | 1.059 | 1395.00 | 1316.99 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129576 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 | Chapter 7 | 12/3/2019 | 1 | 73 |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126958 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127939 | XXXX | Full Documentation | 0 | 11 months or less income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129549 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.545 | 1500.00 | 970.66 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2129577 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | Permanent Resident-Alien | Permanent Resident-Alien |  |  | Self-Employed | Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2129583 | XXXX | DSCR | 0 | 11 months or less income verification | 1.441 | 1575.00 | 1092.96 | 1 | 1 | Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127938 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.026 | 1395.00 | 1359.14 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125263 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129551 | XXXX | DSCR | 0 | 11 months or less income verification | 1.524 | 2900.00 | 1903.10 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2129552 | XXXX | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2131381 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125269 | XXXX | DSCR | 0 | 11 months or less income verification | 1.288 | 2200.00 | 1707.94 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129554 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127953 | XXXX | Asset Related | 1 | 11 months or less income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2127954 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.548 | 1950.00 | 1259.83 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132216 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132472 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129559 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.507 | 1500.00 | 995.24 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2129562 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.253 | 1250.00 | 997.59 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2129561 | XXXX | DSCR | 0 | 11 Months or Less | 1.351 | 1400.00 | 1035.92 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2129563 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2131388 | XXXX | DSCR | 0 | 12 to 23 months | 1.035 | 3050.00 | 2946.98 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129544 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.495 | 1325.00 | 886.17 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129564 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129567 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.016 | 2000.00 | 1968.35 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2131385 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2129575 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | Permanent Resident-Alien |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2131386 | XXXX | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133299 | XXXX | Personal Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2131392 | XXXX | DSCR | 0 | 11 Months or Less | 1.361 | 1725.00 | 1267.03 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125824 | XXXX | DSCR | 0 | 11 months or less income verification | 1.163 | 3158.33 | 2716.84 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127879 | XXXX | DSCR | 0 | 11 months or less income verification | 1.717 | 1500.00 | 873.82 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127877 | XXXX | DSCR | 0 | 11 months or less income verification | 1.008 | 2150.00 | 2133.28 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133290 | XXXX | DSCR | 0 | 12 to 23 months income verification | 1.606 | 1600.00 | 996.06 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127878 | XXXX | DSCR | 0 | 11 months or less income verification | 1.87 | 1650.00 | 882.40 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133291 | XXXX | DSCR | 0 | 11 months or less income verification | 1.99 | 2400.00 | 1206.12 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127881 | XXXX | DSCR | 0 | 11 months or less income verification | 1.478 | 1800.00 | 1217.51 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127880 | XXXX | DSCR | 0 | 11 months or less income verification | 1.163 | 1400.00 | 1203.45 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.06

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.06 - Schedule 8**

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| **Loan Number** | **Loan ID** | **QM Status** | **ATR** | **Exempt Reason** | **TRID Flag** | **Bank Statement Flag** | **Business/Personal Bank Statement** | **Foreign National Flag** | **Bank Statement Months** | **Number of Units** | **Lease In Place Indicator** | **Short Term Rental indicator** | **Title Vesting Type** | **Entity Name** | **Guarantee** | **Recourse** | **AUS/GSE Eligible Flag** | **Non-QM DocType Flag** | **Non-QM DTI Flag** | **Non-QM Points and Fees Flag** | **Non-QM Appendix Q Flag** | **Non-QM IO Flag** | **Non-QM Investment Property Exemption Flag** | **Non-QM Business Purpose / Foreign National** | **Non-QM Loan Term Exceeds 30 yrs** | **Primary Borrower Retired Flag** | **Co-Borrower Retired Flag** | **State of Formation** | **Length of Self-Employment** | **Co-Borrower Length of Self-Employment** | **Qualifying Rent** | **Rent from Lease** | **Rent from Market Survey** | **Business Expense-to-Income Ratio** | **Source of Business Expense-to-Income Ratio** | **Third Party Preparer** | **Debt Service Coverage Ratio (DSCR)** | **Rent Source** | **DSCR PITIA** | **Residual Income** | **Borr 1 - Income Qual Months Personal Bank Statements** | **Borr 1 - Income Qual Months Business Bank Statements** | **Borr 1 - Income Qual Years W2** | **Borr 1 - Income Qual Years Tax Returns** | **Borr 1 - Income Qual WVOE Months** | **Borr 1 - Income Qual PNL Letter** | **Borr 1 - Income Qual CPA Letter** | **Borr 1 - Income Qual Number Paystubs** | **Borr 2 - Income Qual Months Personal Bank Statements** | **Borr 2 - Income Qual Months Business Bank Statements** | **Borr 2 - Income Qual Years W2** | **Borr 2 - Income Qual Years Tax Returns** | **Borr 2 - Income Qual WVOE Months** | **Borr 2 - Income Qual PNL Letter** | **Borr 2 - Income Qual CPA Letter** | **Borr 2 - Income Qual Number Paystubs** |
| XXXX | 2124417 | Safe Harbor Verified QM | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 2 | 0 | 0 | 0 | 0 | 2 |  |  |  |  |  |  |  |  |
| XXXX | 2122518 | Safe Harbor Verified QM | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 16 | 16 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2122522 | Rebuttable Presumption Verified QM | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 10 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2132331 | Safe Harbor Verified QM | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 20 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2124420 | Safe Harbor Verified QM | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2122520 | Safe Harbor Verified QM | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2132335 | Safe Harbor Verified QM | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 10 |  |  |  |  | 15 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2132338 | Safe Harbor Verified QM | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2132336 | Safe Harbor Verified QM | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 11 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2132332 | Safe Harbor Verified QM | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 19 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2132333 | Safe Harbor Verified QM | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 23 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2132334 | Safe Harbor Verified QM | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 8 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2124419 | Safe Harbor Verified QM | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 7 |  |  |  |  | 41 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2132341 | Safe Harbor Verified QM | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 6 |  |  |  |  | 30 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2132339 | Safe Harbor Verified QM | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 5 | 5 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2132337 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 11 |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 36 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2132340 | Safe Harbor Verified QM | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 9 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2132343 | Safe Harbor Verified QM | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 30 |  |  |  |  | 0 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2132342 | Safe Harbor Verified QM | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 46 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2124096 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129517 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2129726 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129727 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129725 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 1 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX |  |  |  |  |  | XXXX | Short Term Rental | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129724 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129724-01 |  |  |  |  |  |  |  |  | 2 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129724-02 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127020 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 1 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Short Term Rental | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2127021 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | VA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129729 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | VA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2132153 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IN | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2132151 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | AL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129730 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | GA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2132152 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2128115 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IN | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2132292 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2128101 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | DE | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Multiple Sources | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2125619 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2125627 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2125626 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2128109 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IN | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2128108 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 5 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2128108-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128108-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128108-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128108-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128108-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125628 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2125618 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Multiple Sources | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2128102 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | LA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2128111 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2128112 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2132288 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WI | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2125629 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2125630 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2125620 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2125621 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2128110 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2132289 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2128107 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2128116 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2128117 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129604 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | AL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2132290 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 5 |  |  | Other | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2132290-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132290-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132290-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132290-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2132290-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2128113 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2128114 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129602 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2128103 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2128104 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2128105 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2125622 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2128106 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2125624 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2125625 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2125623 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2125631 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2125631-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125631-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125631-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125631-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129605 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2132287 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2132291 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2132293 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WI | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2133271 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2127771 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2127771-01 |  |  |  |  |  |  |  |  | 2 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127771-02 |  |  |  |  |  |  |  |  | 4 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133272 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WY | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2133275 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2133277 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 |  | 0 | 0 | FL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129606 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IN | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2125840 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2133280 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2133273 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2125844 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NE | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129607 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2127773 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | AL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2125842 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2125845 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2125841 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2125843 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2133278 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2125846 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2133279 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MI | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129610 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MI | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129608 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 |  | 0 | 0 | TN | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129612 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | AL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2133281 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129611 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129609 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | AZ | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2127774 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | KS | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2133282 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | AZ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129362 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | PA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129321 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | DE | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129307 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | DE | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129323 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IN | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129319 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | DE | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129341 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | VA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129368 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | GA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129369 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IN | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129355 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129349 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129345 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | VA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Multiple Sources | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129318 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129342 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | VA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129390 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | WI | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129311 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129316 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | MI | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129356 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | VA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129332 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129346 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CO | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129376 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129313 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129357 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129327 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WI | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129322 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129377 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CT | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Multiple Sources | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129324 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129312 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129347 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MD | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129391 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MD | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129335 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129333 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129334 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129348 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129360 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129309 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | TN | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129308 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | WY | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129378 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | GA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129367 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | GA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129314 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129363 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  | IN | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129375 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129361 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Multiple Sources | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129392 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CT | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129387 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129350 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MO | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129366 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MI | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129382 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MI | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129364 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | PA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129379 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MI | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129328 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129340 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CT | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129365 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | VA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129371 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MO | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129393 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129388 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 |  | 0 | 0 | WY | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129336 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | LA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129358 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WY | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129353 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129383 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IN | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129394 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129352 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129326 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129372 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MO | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129329 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129337 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | LA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129384 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129338 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129354 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129339 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MO | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129317 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129373 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129344 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | GA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129330 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CT | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129331 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CT | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129374 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129397 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MD | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129359 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129398 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129385 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129386 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Multiple Sources | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121358 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 20 | 0 | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2119369 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 2 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 15 |  | XXXX |  | XXXX | 50 | Standard Ratio per Guidelines |  |  | Market Survey |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2128056 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | GA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2119367 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 20 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2128059 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2128058 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2120454 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2120461 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 1 | 0 |  | TN | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2127002 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126993 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126995 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126994 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126992 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | FL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2131568 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 3 |  |  |  |  |  |  |  |  |
| XXXX | 2127000 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126997 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | VA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126999 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | VA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126998 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | VA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2127001 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TN | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2127003 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TN | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2127004 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TN | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2133285 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TN | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Multiple Sources | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2133284 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  | IL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2130357 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 1 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Short Term Rental | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2116187 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 6 |  |  |  |  | 45 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2130356 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2128060 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 5 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | RI | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2128064 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2128062 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | DE | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2133226 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2133227 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 1 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Short Term Rental | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2128063 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2133228 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2119368 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 12 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2128065 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 8 | 0 | XXXX |  | XXXX | 20 | Business Expense Ratio Statement |  |  | Market Survey |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2128061 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MI | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2128068 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | DE | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2128069 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2128070 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | ID | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2130360 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 8 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2128066 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | WA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2128067 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | DE | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2128072 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2130361 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | TX | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2133229 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2133224 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 5 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CT | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2130359 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2133222 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CT | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2128075 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 7 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | LA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126905 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2133225 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IN | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2133218 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 8 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2128071 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IN | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2133220 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TN | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2128074 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IN | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2133221 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2128080 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Trust | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2133215 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | TX | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2128078 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Trust | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2130365 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 1 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Short Term Rental | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2133216 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | VA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2133217 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | TX | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2130363 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2130366 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | GA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2128077 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2133210 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | IN | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2130368 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2128076 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Multiple Sources | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2128082 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | FL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2130369 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | SC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2128085 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2133212 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | UT | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2133211 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2130367 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 5 | 2 |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 34 | 0 | 0 | 2 |
| XXXX | 2128081 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 24 | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 5 | 0 | XXXX |  | XXXX | 40 | Business Expense Ratio Statement |  |  | Market Survey |  | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2130370 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2130372 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 20 |  | XXXX |  | XXXX | 30 | Business Expense Ratio Statement |  |  | Market Survey |  | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2128084 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 1 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Short Term Rental | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2128088 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WI | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2130373 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 7 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2128086 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2133213 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2131569 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2128089 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 36 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2128087 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 6 |  |  |  |  | 40 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2130371 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 1 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MO | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Short Term Rental | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2128090 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MI | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2130376 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2128092 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 1 |  |  | 0 |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2130377 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 7 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2128095 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | AZ | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2128093 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2128091 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2133207 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 8 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2130375 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 | 0 | OH | 10 | 0 |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 2 | 0 | 0 | 0 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2130378 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2130381 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | CA | 0 | 0 | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 9 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2133208 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129399 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2133203 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CT | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2130380 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2130379 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | AL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2128094 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2130382 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 14 | 0 | 0 | 3 |  |  |  |  |  |  |  |  |
| XXXX | 2130385 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IN | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2130386 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IN | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2128100 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | GA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2133204 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2133201 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2130383 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | AL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2130384 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2128098 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2128099 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2133198 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | AZ | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2130390 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | CO | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2133200 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 8 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2133199 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2130389 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MI | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2130388 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2133196 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2133194 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2128097 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TN | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2133197 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | GA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2133195 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2130393 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2133193 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2128096 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 3 | 0 |  |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 2 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2130394 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2130391 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2133192 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2133287 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TN | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2133288 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TN | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2133286 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TN | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Multiple Sources | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2133289 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TN | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2127023 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2132146 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2125599 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2119370 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2121353 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2104893 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 10 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2133188 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 15 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2115765 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 7 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2119374 | Rebuttable Presumption Verified QM | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 10 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2112790 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2125814 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2121355 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Trust |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 1 | 1 |  | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2119372 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 14 |  |  |  |  | 17.5 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2125817 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 | 0 |  |  |  | 25 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2124113 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2121356 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 15 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2133189 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2131414 | Rebuttable Presumption Verified QM | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 20 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2131415 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 10 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2127027 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2125600 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2132144 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2127030 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2127028 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2127029 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2127026 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2127024 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2132149 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2132150 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121354 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 15 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2125816 | Safe Harbor Verified QM | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 10 |  |  |  |  | 34 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2131413 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 2 | 2 |  |  |  | 10 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2125777 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 15 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2125780 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | AR | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2125782 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2125783 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2125784 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2125786 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2125787 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2119364 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 27 |  |  |  |  | 50 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2125820 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 1 |  | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2125821 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2125822 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2125823 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2133292 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2123020 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 11 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2123467 | Safe Harbor Verified QM | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 6 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2123464 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2120578 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2120579 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 13 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2123466 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2123465 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 12 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2125819 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2129558 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2079092 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 7 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2123323 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126939 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2116801 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 1 |
| XXXX | 2112646 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 2 |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126964 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2132211 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 10 | 10 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2096219 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2127054 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MO | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129524 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2125237 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 1 |  |  | 2 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2111910 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2125236 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2114538 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 6 | 0 |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 11 | 0 | 0 | 2 |
| XXXX | 2116793 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 8 |  |  |  |  | 70 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2116847 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 20 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2114540 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2112626 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 6 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2123308 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | LA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2120050 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2123286 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2111924 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 13 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2111931 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 8 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2111912 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 1 |  |  |  | 10 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123284 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 2 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 9 |  |  |  |  | 38 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2122545 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2120055 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 7 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2111911 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2126937 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2117030 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 35 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2123290 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2131387 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2116796 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2129525 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2112638 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 2 | 0 |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121282 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2125238 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2127926 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2111938 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 6 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2116821 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 12 |  |  |  |  | 50 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2120056 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 20 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2113821 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 75 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2129526 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2122534 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2116834 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 7 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2113585 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 6 |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2122535 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 1 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2116802 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 6 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2116816 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 9 |  |  |  |  | 10 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2121268 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 25 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2121271 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 19 |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2112640 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2111923 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 9 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2120065 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 12 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2114551 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 10 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2117033 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121304 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 34 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2120064 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2120049 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2129527 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2122532 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MO | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2120052 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 9 |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2116805 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 3 | 3 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2116806 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2116807 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 10 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2129528 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2113587 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2113589 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 16 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2111929 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 25 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2120067 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2126943 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 7 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2116859 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 10 |  |  |  |  | 15 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2123287 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2116836 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 6 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2121272 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 7 | 0 |  |  |  | 70 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2117046 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 9 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2122540 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2113824 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2123285 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 1 | 34 | 0 | 0 | 4 |  |  |  |  |  |  |  |  |
| XXXX | 2116811 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 2 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121269 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 6 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2116812 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2117041 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 |  |  |  |  |  |  |  |  |
| XXXX | 2114548 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 1 |  |  |  |  | 25 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2129529 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2125239 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2125258 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2125266 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MO | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126938 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 2 | 0 |  |  |  | 10 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 3 |
| XXXX | 2121270 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  | XXXX | 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2116848 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2116823 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 10 |  |  |  |  | 25 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2121291 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 10 | 10 |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2125240 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2120057 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 15 | 0 |  |  |  | 20 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 3 |
| XXXX | 2123325 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2116815 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 12 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2117050 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 8 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2116820 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 45 |  |  |  |  | 20 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2117036 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 4 | 4 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2116863 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 6 |  |  |  |  | 37 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2113592 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 3 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126940 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IN | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2125241 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2125250 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 2 | 0 | 0 | 0 | 4 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 |
| XXXX | 2123288 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 30 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2116822 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 31 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2112657 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 13 | 0 |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123289 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OK | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2116824 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 9 | 0 |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123292 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | Individual |  | Yes |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2121300 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 50 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2123296 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 4 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2131377 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121273 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 6 |  |  |  |  | 25 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2127937 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 5 | 0 | XXXX |  | XXXX | 50 | Standard Ratio per Guidelines |  |  | Market Survey |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2116828 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 10 |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2121277 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2116830 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 15 |  |  |  |  | 75 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2129556 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123291 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2117051 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 3 | 3 |  |  |  | 25 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2116864 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2129537 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Trust | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 8 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2116831 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 7 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2122536 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2123294 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2125242 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2126951 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 19 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2116835 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 8 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2117048 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | ID | 3 | 0 |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 4 |
| XXXX | 2117042 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2116853 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 10 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2120059 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 35 | 0 | 0 | 5 |  |  |  |  |  |  |  |  |
| XXXX | 2125243 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | GA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2116844 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 10 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2120085 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 21 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2126942 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2122537 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2123312 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2120061 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2125245 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2120060 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 35 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2123314 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  |  | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126961 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 3 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126947 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 5 |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 35 | 0 | 0 | 4 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2127952 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2129534 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Trust | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 46 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2116832 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 36 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2123295 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 4 | 0 |  |  |  | 25 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 1 |
| XXXX | 2120066 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 3 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126945 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TN | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2127059 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123297 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 17 |  |  |  |  | 70 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2123316 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 6 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2120068 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | KS | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 35 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2127931 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 4 | 0 |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123305 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 7 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123322 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2120080 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 3 | 0 |  |  |  | 85 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 35 | 0 | 0 | 2 |
| XXXX | 2120087 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 14 |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2125257 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126957 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2126946 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2129578 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | NJ | 1 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2120070 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 1 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2127928 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121288 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 27 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2123298 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 11 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2125248 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121297 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2133298 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 1 | 0 |  | 0 | 6 |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2116851 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 20 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2123300 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2125249 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2125247 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TN | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123301 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 20 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2132218 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NV | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126950 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2125264 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129553 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2126944 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 34 |  |  |  |  | 25 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2123321 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 5 | 0 |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 0 | 0 | 2 |
| XXXX | 2122544 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 12 |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2125251 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 13 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2122539 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MI | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121295 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2127057 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 15 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2129535 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2125252 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2116866 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 11 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2120074 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2129560 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2125254 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 25 |  |  |  |  | 25 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2123302 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 8 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2129550 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2120086 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 1 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2123303 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123304 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 32 |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2121305 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 15 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2125267 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2129536 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123310 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 50 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2126948 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 7 | 7 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2125270 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 25 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2127933 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2127930 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123326 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2125262 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2122538 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2125253 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2121298 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 4 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2126955 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 36 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2126949 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 85 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2132471 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 15 |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2127061 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2123317 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 5 |  |  |  | 25 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123311 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2127940 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 7 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2120081 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2123324 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2120083 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2133295 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 6 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2129540 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 17 | 0 |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 2 | 0 | 0 | 0 | 4 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126965 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2131380 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 25 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2126953 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 2 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126960 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 10 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2122543 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 19 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2129568 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2125256 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 16 |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2127941 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 15 |  |  |  |  | 20 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2125268 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 13 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2122546 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Multiple Sources | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2132213 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 3 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 |
| XXXX | 2131382 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2131384 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2127927 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2131383 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2127058 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 17 |  |  |  | XXXX | 50 | Standard Ratio per Guidelines |  |  | Multiple Sources |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2132214 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | HI | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129542 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 1 |  | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2127947 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2126941 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 8 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2126956 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 12 |  |  |  |  | 23 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2125260 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 2 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 2 | 0 | 36 | 0 | 0 | 10 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 15 |
| XXXX | 2127935 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MI | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129566 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126966 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126963 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2127060 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2129555 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 2 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 2 | 10 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2123328 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2123327 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129581 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2125259 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 4 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 3 |
| XXXX | 2127062 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2129547 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  | LA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129582 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2129576 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2126958 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 15 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2127939 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 1 |  |  | 0 |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2129549 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WV | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129577 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 5 | 0 |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 |
| XXXX | 2129583 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2127938 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2125263 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 8 |  |  |  |  | 25 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2129551 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | DE | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129552 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 10 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2131381 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 20 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2125269 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129554 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 15 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2127953 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2127954 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2132216 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 9 |  |  |  |  | 28 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2132472 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 21 |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2129559 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129562 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129561 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129563 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 50 | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2131388 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2129544 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | AZ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129564 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2129567 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | GA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2131385 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 15 | 15 |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2129575 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 5 | 5 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2131386 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 10 | Business Expense Ratio Statement |  |  |  |  | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2133299 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 25 | Business Expense Ratio Statement |  |  |  |  | XXXX | 24 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2131392 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2125824 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 1 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  | XXXX | Short Term Rental | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2127879 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2127877 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IN | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2133290 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2127878 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2133291 | GQM Exempt - Business Purpose | N/A | Business Purpose | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IN | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2127881 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2127880 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |

---

## Exhibit 99.07

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.07**

![](ex9907001.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.**<br>

Executive Summary<br>EFMT 2026-NQM4<br>Dated: March 12, 2026<br>

**290 S. Preston Road \| Suite 370 \| Prosper, TX 75078**<br>**P: 888.892.1843** **\| evolvemortgageservices.com**<br>

![](ex9907002.jpg)

Forward Thinking. Seamless Solutions.

**EXECUTIVE SUMMARY**

**Overview** 

Evolve Mortgage Services ("Evolve") performed certain due diligence services (the "Review") described below on loans backed by residential properties (the "Loans") originated by a lender and subsequently purchased by, Ellington Management Group, LLC (the "Client"). The Review was conducted via files imaged and provided by the lender or its designee for review. The Review results were conveyed to the Client by a Reliance Letter.

**Sample size of the assets reviewed.**

The final population of the Review covered 92 loans, including 33 Residential and 59 Business Purpose Loans totaling an aggregate original principal balance of approximately $35,581,702.00. Evolve is not aware of the overall securitization population as other third-party review ("TPR") firms may have reviewed loans within the overall securitization loan population.

**Determination of the sample size and computation.**

The Review was conducted consistent with the criteria for Fitch Ratings Inc and Kroll Bond Rating Agency, LLC (KBRA), the NRSRO's identified in Item 3 of the ABS Due Diligence-15E.

**Quality or integrity of information or data about the assets: review and methodology.**

Evolve compared data provided by the Client and uploaded to the underwriting system to the data found in the Loan file as captured during the Review. The data integrity review was completed versus data as provided at the time of initial diligence or subsequently updated. Not all data elements were provided to Evolve on every loan within the securitization population. This comparison, when data was available, included the following data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Property Street Address |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Property Zip |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;QM Status |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Qualifying Credit Score |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;Qualifying DTI |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;Self-Employment Flag |

---

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|:---|:---|:---|
| ![](ex9907003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 1 \| P a g e |

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![](ex9907002.jpg)

Forward Thinking. Seamless Solutions.

**<u>Document Review</u>**

For each Loan, Evolve will review the Loan File and verify whether the following documents, if applicable, are included in the file and if the data on these documents is consistent and logical: (a) initial application (1003), (b) credit report, (c) employment documentation, (d) asset documentation, (e) sales contract, (f) hazard and/or flood insurance policies, (g) appraisal, (h)title/preliminary title, (i) mortgage/ deed of trust, G) note, (k) certificate of business purpose / non-owner occupancy, (1) articles of incorporation, if applicable, (m) operating agreement, (n) background check and (o) leases.

**<u>Credit Review</u>**

The credit review focuses on the borrower's experience in property management, credit profile and adherence to guidelines. The borrower's assets are analyzed to determine there are sufficient funds for the required equity in the project. Conformity to applicable guidelines will all be assessed during the review. An income calculation will not be performed though the presence of income documentation if required by the guidelines will be noted.

*Credit Application*

For the Credit Application, Evolve will verify whether (a) the application is signed by all listed borrowers, (b) the application is substantially filled out, (c) all known borrower-owned properties are disclosed on the Real Estate Owned section or attachments, and (d) borrower's property management/landlord experience.

*Credit Report*

Evolve will verify (a) a credit report is present for each borrower/ guarantor, (b) note and research the Real Estate Owned and fraud alerts, (c) and gather data including (i) representative FICO, (ii) scores from Equifax, Experian, and Transunion (if available), (iii) verify that the public records listed are disclosed on the application and adequately explained and in compliance with guidelines, and (iv) the number and length of trade lines.

*Borrowing Entity*

Evolve will verify the borrowing entity, if not an individual, is properly documented. In addition, Evolve will verify if the business entity is a US or foreign entity and if the individual signing the loan documentation has the appropriate authority. Distinction will be made between guarantors and principals, individuals and business entities.

*Property Income*

Evolve will determine whether all applicable supporting documentation as required by the guidelines is present in the file. No traditional borrower DTI ratios will be calculated but instead a "Property DTI" will be calculated per guidelines using the lease or expected lease amount and the property expenses. Documentation verifying property income may include: (a) leases and monthly rental income, (b) property vacancy, (c) balance sheets / financial statements, and (d) an appraisal analysis of market rents.

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|:---|:---|:---|
| ![](ex9907003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 2 \| P a g e |

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Forward Thinking. Seamless Solutions.

*Employment and Income:* 

Evolve determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable was present in the mortgage loan file and where possible, was not fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with the guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, (vi) IRS tax transcripts, and (vii) bank statements.

*Valuation Review*

Evolve's review will include a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. Evolve's review will include verifying the appraisal report was (i) materially complete, (ii) in conformity with the guideline requirements for the property type in question, (iii) completed by an appraiser that was actively licensed to perform the valuation, (iv) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (iv) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

With regard to the use of comparable properties, Evolve's review will (i) review the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and ensure that such comparable properties are within standard appraisal guidelines; (ii) confirm the property value and square footage of the subject property was bracketed by comparable properties, (iii) verify that comparable properties used are similar in size, style, and location to the subject, and (iv) check for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

Other aspects of Evolve's review include (i) verifying that the address matched the mortgage note, (ii) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (iii) confirming the appraiser noted an estimated lease amount to be used in instances where there is no lease in place.

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|:---|:---|:---|
| ![](ex9907003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 3 \| P a g e |

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![](ex9907002.jpg)

Forward Thinking. Seamless Solutions.

*Asset Review*

Evolve will assess whether the asset documentation required by the guidelines is present in the file. Evolve will verify that assets presented support the required reserves. Documentation reviewed may include: (a) depository account statements, (b) stock or security account statements, (c) settlement statements or other evidence of conveyance and transfer of funds if a sale of assets was involved, and (d) operating accounts from other properties.

*Insurance*

Evolve will (a) look for the presence of rent loss insurance as required by the guidelines, (b) verify that hazard insurance meets the minimum required amount of coverage in the guidelines, (c) confirm that the flood cert is for the correct borrower, property, lender and loan number, and (d) for properties in a flood zone per the flood cert, confirm that flood insurance meets guideline requirements in the file and meets the minimum required amount of coverage.

*Title*

Evolve will verify whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower, and review the title commitment. Evolve will also review, as applicable, confirm that the final title policy, endorsements, lien position, type of ownership, and property tax review conform to the guidelines provided by Client.

*Fraud / Criminal Background*

To the extent potentially fraudulent activity is identified as part of the document review, such information will be reported to Client. In addition, Evolve will look for an independent, third party fraud report and background check in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan.

**<u>Debt Service Coverage Ratio (DSCR)</u>**

● Calculate DSCR as required by the guidelines

**<u>Data Collection</u>**

Evolve will compare data fields on the bid tape provided by the client to the data found in the actual file as captured by Evolve. All material discrepancies will be noted.

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|:---|:---|:---|
| ![](ex9907003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 4 \| P a g e |

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![](ex9907002.jpg)

Forward Thinking. Seamless Solutions.

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

The NRSROs criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed in the Form ABS Due Diligence-15E.

**Compliance Results Summary**

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;33 | &nbsp;&nbsp;35.87% | &nbsp;&nbsp;33 | &nbsp;&nbsp;35.87% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;59 | &nbsp;&nbsp;64.13% | &nbsp;&nbsp;59 | &nbsp;&nbsp;64.13% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**92** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**92** | &nbsp;&nbsp;**100.00%** |

---

**Credit Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;57 | &nbsp;&nbsp;61.96% | &nbsp;&nbsp;57 | &nbsp;&nbsp;61.96% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;35 | &nbsp;&nbsp;38.04% | &nbsp;&nbsp;35 | &nbsp;&nbsp;38.04% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**92** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**92** | &nbsp;&nbsp;**100.00%** |

---

**Property Valuation Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;84 | &nbsp;&nbsp;91.30% | &nbsp;&nbsp;84 | &nbsp;&nbsp;91.30% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;8 | &nbsp;&nbsp;8.70% | &nbsp;&nbsp;8 | &nbsp;&nbsp;8.70% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**92** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**92** | &nbsp;&nbsp;**100.00%** |

---

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|:---|:---|:---|
| ![](ex9907003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 5 \| P a g e |

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![](ex9907002.jpg)

Forward Thinking. Seamless Solutions.

**Overall Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;50 | &nbsp;&nbsp;54.35% | &nbsp;&nbsp;50 | &nbsp;&nbsp;54.35% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;42 | &nbsp;&nbsp;45.65% | &nbsp;&nbsp;42 | &nbsp;&nbsp;45.65% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**92** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**92** | &nbsp;&nbsp;**100.00%** |

---

**Data Results Summary**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Time Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;6 | &nbsp;&nbsp;92 | &nbsp;&nbsp;6.52% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;8 | &nbsp;&nbsp;92 | &nbsp;&nbsp;8.70% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;73 | &nbsp;&nbsp;92 | &nbsp;&nbsp;79.35% |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;7 | &nbsp;&nbsp;92 | &nbsp;&nbsp;7.61% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;12 | &nbsp;&nbsp;92 | &nbsp;&nbsp;13.04% |
| &nbsp;&nbsp;Original Amortization Term | &nbsp;&nbsp;7 | &nbsp;&nbsp;92 | &nbsp;&nbsp;7.61% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;92 | &nbsp;&nbsp;1.09% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;92 | &nbsp;&nbsp;1.09% |
| &nbsp;&nbsp;PITI | &nbsp;&nbsp;12 | &nbsp;&nbsp;92 | &nbsp;&nbsp;13.04% |
| &nbsp;&nbsp;Prepayment Penalty Type | &nbsp;&nbsp;8 | &nbsp;&nbsp;92 | &nbsp;&nbsp;8.70% |
| &nbsp;&nbsp;Product Code | &nbsp;&nbsp;4 | &nbsp;&nbsp;92 | &nbsp;&nbsp;4.35% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;16 | &nbsp;&nbsp;92 | &nbsp;&nbsp;17.39% |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;32 | &nbsp;&nbsp;92 | &nbsp;&nbsp;34.78% |
| &nbsp;&nbsp;QM Status | &nbsp;&nbsp;37 | &nbsp;&nbsp;92 | &nbsp;&nbsp;40.22% |
| &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;7 | &nbsp;&nbsp;92 | &nbsp;&nbsp;7.61% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;2 | &nbsp;&nbsp;92 | &nbsp;&nbsp;2.17% |
| &nbsp;&nbsp;Self-Employment Flag | &nbsp;&nbsp;33 | &nbsp;&nbsp;92 | &nbsp;&nbsp;35.87% |

---

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|:---|:---|:---|
| ![](ex9907003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 6 \| P a g e |

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Forward Thinking. Seamless Solutions.

**APPENDIX A**

**Compliance of the originator of the assets with federal, state and local laws and regulations: review and methodology.**

Please be advised that Evolve did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Evolve are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Evolve is relying in reaching such findings.

Please be further advised that Evolve does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Evolve do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Evolve. Information contained in any Evolve report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Evolve to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Evolve are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Evolve does not make any representation or warranty as to the value of any mortgage loan or mortgage loan's collateral that has been reviewed by Evolve.

Evolve reviewed each mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:

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| ![](ex9907003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 7 \| P a g e |

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Forward Thinking. Seamless Solutions.

**<u>FOR APPLICATION DATES BEFORE JANUARY 10, 2014</u>**

**(I) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) failure to provide
 the right of rescission notice;

ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

iii) errors in the right of rescission notice;

iv) failure to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) failure to provide
 the three (3) business day rescission period; and

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| | | |
|:---|:---|:---|
| | 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; |
| b) | <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> | <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review and comparison
 of the initial and final TIL disclosures, and any re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Tolerances (§§1026.18, 22 and 23):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) inaccurate Annual
 Percentage Rate (APR) outside of applicable tolerance by comparing disclosed APR to re-calculated APR; and

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) points and fees
 threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) APR threshold test;
 and

ii) compliance with the escrow account and appraisal requirements;

**(II) Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence
 of the current GFE form in effect at the time of origination;

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| ![](ex9907003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 8 \| P a g e |

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Forward Thinking. Seamless Solutions.

ii) verify GFE was provided to the borrower(s) within three (3) business days of application;

iii) verify all sections of the GFE were accurately completed and that information was reflected in the appropriate locations;

iv) determine whether a valid and properly documented changed circumstance accompanies any changes to loan terms and/or fees on any revised GFEs over the applicable tolerance(s); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence
 of a settlement service provider list, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm current
 applicable HUD form was provided;

ii) determination that the loan file contains the final HUD;

iii) escrow deposit on the final HUD matches the initial escrow statement amount; and

iv) verify all sections of the final HUD were accurately completed and that information was reflected in the appropriate locations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review changes disclosed
 on the last GFE provided to the borrower(s) to determine that such changes were within the allowed tolerances;

ii) confirm loan terms and fees disclosed on the third page of the final HUD accurately reflect how such items were disclosed on the referenced GFE, page 2 of the final HUD and loan documents; and

iii) review any documented cure of a tolerance violation to determine that the proper reimbursement was made and a revised HUD was provided at or within 30 days of settlement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence
 of the Servicing Disclosure Statement form in the loan file;

ii) verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business days of application;

iii) confirm the presence of the Special Information Booklet in the loan file or that the loan file contains documentary evidence that the disclosure was provided to the borrower;

iv) confirm the Special Information Booklet was provided within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence
 of the Affiliated Business Arrangement Disclosure in the loan file in the event the lender has affiliated business arrangements;

vi) confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application;

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and <br> viii) confirm the presence of the Initial Escrow Disclosure Statement in the loan file and proper timing.

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**(III) The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;**

**(IV) The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect to "high-cost" loans, "covered" loans, "higher-priced" loans, "home" loans or any other similarly designated loan as defined under such authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;**

**(V) Federal and state specific late charge and prepayment penalty provisions;**

**(VI) Document Review**

Evolve reviewed each mortgage loan file and verified if the following documents, if applicable, for the Review scope in question at the time of review, were included in the file and if the data on these documents was consistent:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial application
 (1003);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final application
 (1003);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Sales contract;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Title/Preliminary
 Title;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial and final
 GFE's;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Right of Rescission
 Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage/Deed of
 Trust;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Tangible Net Benefit
 Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ FACTA disclosures;
 and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Certain other disclosures
 related to the enumerated tests set forth herein.

**<u>FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014</u>**

For mortgage loans with application dates on or after January 10, 2014 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014** section above plus:

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**(VII) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026 testing included:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>With respect to brokered loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review relevant
 documentation to determine if compensation to a Loan Originator was based on a term of the transaction;

ii) review relevant document to determine if there was dual compensation; and

iii) review the presence of the loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note: Where available,
 Evolve reviewed the relevant documents in the loan file and, as necessary, attempted to obtain the loan originator compensation
 agreement and/or governing policies and procedures of the loan originator. In the absence of the loan originator compensation
 agreement and/or governing policies and procedures, Evolve's review was limited to formal general statements of entity
 compliance provided by the loan originator, if any. These statements, for example, were in the form of a letter signed by
 the seller correspondent/loan originator or representations in the mortgage loan purchase agreement between the Client and
 seller correspondent;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Homeownership counseling (§1026.36):</u> 

 i) determine if the creditor obtained proof of homeownership counseling in connection with a loan to a first time homebuyer that contains a negative amortization feature; <br> c) <u>Mandatory Arbitration Clauses (§1026.36):</u> <br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the
 terms of the loan require arbitration or any other non-judicial procedure to resolve any controversy or settle any claims
 arising out of the transaction;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the
 creditor financed, directly or indirectly, any premiums or fees for credit insurance; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review for presence
 of loan originator organization and individual loan originator name and NMLSR ID, as applicable, on the credit application,
 note or loan contract, security instrument, Loan Estimate and Closing Disclosure; and

ii) verify the data against the NMLSR database, as available.

**(VIII) Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm that the
 creditor provided the borrower a list of homeownership counseling organizations within three (3) business days of application;
 and

ii) confirm that the list of homeownership counseling organizations was obtained no earlier than 30 days prior to when the list was provided to the loan applicant.

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**(IX) Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) The general Ability
 to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Refinancing of non-standard
 mortgages (12 C.F.R. 1026.43(d));

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Qualified Mortgages
 (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined by the Department of Housing and Urban Development
 (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Balloon-payment
 qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

Evolve reviews applicable loans for compliance with the ATR and QM rule requirements based upon each loan's originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). Evolve determines the loan's status under the ATR or QM rule requirements and assigns a due diligence loan designation. Generally, Evolve notes as a material exception if the due diligence findings do not confirm the originator's loan designation. Additionally, Evolve notes if an originator loan designation was not provided.

*<u>Qualified Mortgage</u>*

With respect to QM (Safe Harbor and Higher-priced) designated loans, Evolve reviews the loan to determine whether, based on available information in the loan file: (i) the loan contains risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

If a loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, Evolve reviews the loan to determine whether, based on available information in the loan file the loan satisfied (i), (ii) and (iii) in the preceding paragraph and reviews the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated loan that satisfied the applicable requirements enumerated above, Evolve then determines whether the loan is a Safe Harbor QM or Higher Priced QM by comparing the loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage.

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The Review also includes determining, as applicable, whether a loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

For each QM designated loan that does not satisfy the applicable requirements enumerated above, Evolve then determines whether the loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of Non-QM compliant or non-compliant.

*<u>General Ability to Repay</u>*

Evolve reviews the loan to determine whether, based on available information in the loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability, the consumer's current employment status; (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

*Note*: for loans designated as QM – agency eligible, Evolve will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

Evolve reviews loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). Evolve does not represent or warrant that the factors for which it is reviewing the loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a loan. Evolve's review is based on information contained in the loan file at the time it is provided to Evolve to review, and only reflects information as of that point in time.

**(X) The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) timing and content
 of the right to receive copy of appraisal disclosure;

ii) charging of a fee for a copy of the appraisal or other written valuation;

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iii) timing of creditor providing a copy of each appraisal or other written valuation;

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (2) confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(XI) FIRREA Review**

Evolve confirmed that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, Evolve reviewed the appraisal for conformity to industry standards, including ensuring the appraisal was complete, that the comparables and adjustments were reasonable and that pictures were provided and were accurate.

**<u>FOR APPLICATION DATES ON OR AFTER OCTOBER 3, 2015</u>**

For mortgage loans with application dates on or after October 3, 2015 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014 and FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014** sections above plus:

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, Evolve implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Association (the "SFA Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. Evolve worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While Evolve continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. Evolve has worked closely with the NRSROs and Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per Evolve's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that Evolve has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by Evolve will result in the potential level of risk indicated by an Event Level or NRSRO grade.

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Please be further advised that Evolve does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Evolve do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Evolve. Information contained in any Evolve report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Evolve to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Evolve are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Evolve does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Evolve.

Evolve reviewed each residential mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:

**(XII) Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence
 of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm that any
 written estimate of terms or costs provided prior to receipt of a LE contained the required disclosures;

vi) confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

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viii) confirm borrower received LE not later than four (4) business days prior to consummation; and

ix) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence
 of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

v) identify tolerance violations based on the charges disclosed on the initial and interim LE's, initial CD, and reflected on the final CD;

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Association ("SFA") has a working group that consists of industry participants including third party review providers and law firms who agreed to a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFA Compliance Review Scope.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence
 of Your Home Loan Toolkit in the mortgage loan file or that the mortgage loan file contains documentary evidence that the
 disclosure was provided to the borrower; and

ii) confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application.

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**(XIII) Document Review**

Evolve reviewed each mortgage loan file and verified if the following documents, if applicable, were included in the file and if the data on these documents was consistent (where applicable):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Loan Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Closing Disclosures;
 and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Certain other disclosures
 related to the enumerated tests set forth herein.

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## Exhibit 99.07

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.07 - Schedule 1**

![](evolve-logo.jpg)

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| **Rating Agency Grades** |
| **Run Date - 03/12/2026 11:02:04 AM** |

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| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| 1685952 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1688217 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1688523 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1688209 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX D | C | C | C | C | C A D | A | A | A | A | A |
| 1688210 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1688524 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1688525 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1688526 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1688527 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1688218 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1688219 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX B | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A |
| 1688528 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1688818 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1688821 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1688825 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1688826 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1688827 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1688829 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1688830 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1688832 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1688833 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1688837 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1688838 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1688839 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 1688841 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1688842 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1688844 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1688849 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1688850 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1688851 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1688854 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | D | D | D | D | D A B | A | A | A | A | A B |
| 1688858 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 1688860 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1688861 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1688863 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1688866 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1688868 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1688869 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 1688870 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1688871 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1688872 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1688873 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1688880 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1688881 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1688882 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1688884 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1688885 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 1688888 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1688889 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A C | A | A | A | A | A B |
| 1688890 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1688892 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1688893 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1688896 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1688898 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1688900 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1688901 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1688902 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1688906 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1688907 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1688908 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1688910 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1688914 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1688915 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1688916 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1688918 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1688919 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1688920 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1688922 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1688923 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1688924 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1688926 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1688928 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A C | A | A | A | A | A B |
| 1688931 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1688934 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1688935 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1688937 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A C | A | A | A | A | A B |
| 1688944 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1688956 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1688958 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1688959 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1688961 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1688962 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1688970 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1688971 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1688972 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1688973 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1688974 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1688979 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1688983 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1688988 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1688991 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1689000 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.07

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.07 - Schedule 2**

![](evolve-logo.jpg)

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| |
|:---|
| **Exception Detail** |
| **Run Date - 03/12/2026 11:02:04 AM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **Exception** | **Exception Detail** | **Exception Information** | **Exception Remediation** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Compliance Initial Loan Grade** | **Compliance Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 1688209 | XXXXXXXXXXX | XXXXXXXXXXX | XXXX | 884 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 10/08/2025 |  | A | 1 | XXXXXXXXXX | HI | 1 | 1 D A | C | A |  | Exempt | 1 |
| 1688209 | XXXXXXXXXXX | XXXXXXXXXXX | XXXX | 1006 | XXXXXXXXXX | Credit | UW Approval |  | UW Approval - UW Approval - 1008 or 92900 LT missing |  | The 1008 was not provided in the loan file. | Received 1008 |  |  | 09/19/2025 |  | A | 1 | XXXXXXXXXX | HI | 1 | 1 D A | C | A |  | Exempt | 1 |
| 1688209 | XXXXXXXXXXX | XXXXXXXXXXX | XXXX | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | The lender's income calculation analysis/worksheets for asset utilization were not provided. | Asset Utilization worksheet was received. |  |  | 09/19/2025 |  | A | 1 | XXXXXXXXXX | HI | 1 | 1 D A | C | A |  | Exempt | 1 |
| 1688209 | XXXXXXXXXXX | XXXXXXXXXXX | XXXX | 351 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - DTI exceeds maximum limit |  | DTI of 51.077% exceeds the maximum allowed of 50%. Borrower 1 wage income is $2,426 based on paystubs provided. Borrower 2 wage income is $4,007.13 based on paystubs provided. Additional income included in the DTI calculation was the $7,403.28/month asset utilization income. Lender's calculation not included in file. | &nbsp;&nbsp;&nbsp;&nbsp;Asset Utilization worksheet was received. |  |  | 09/19/2025 |  | A | 1 | XXXXXXXXXX | HI | 1 | 1 D A | C | A |  | Exempt | 1 |
| 1688210 | XXXXXXXXXXX | XXXXXXXXXXX | XXXX | 437 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | Guidelines require a verbal VOE be completed with 20 days of the note date for self-employed borrowers. Provide evidence a verbal VOE was completed for the borrower. | VA SOS dated 8/22/2025 provided |  |  | 09/19/2025 |  | A | 1 | XXXXXXXXXX | VA | 1 | 1 D A | A | A |  | Exempt | 1 |
| 1688210 | XXXXXXXXXXX | XXXXXXXXXXX | XXXX | 1014 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income calculation worksheet self employed |  | Provide a bank statement analysis worksheet for the borrower. | Bank statement calculation work sheet provided |  |  | 09/19/2025 |  | A | 1 | XXXXXXXXXX | VA | 1 | 1 D A | A | A |  | Exempt | 1 |
| 1688218 | XXXXXXXXXXX | XXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guidelines reflect minimum loan amount is $125,000.00. Subject loan amount is $XXXX. |  | Client Waived with Compensating Factors: FICO (765) 40+ points over the minimum score (700) and DSCR (1.45) > 1.15% |  |  |  | 11/07/2025 B | 2 | XXXXXXXXXX | AL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1688219 | XXXXXXXXXXX | XXXXXXXXXXX | XXXX | 824 | XXXXXXXXXX | Credit | Title Policy |  | Title Policy - is missing. Final XXXX title policy required. |  | No Title in File | Information provided |  |  | 12/08/2025 |  | A | 1 | XXXXXXXXXX | TX | 3 | 13 B A | N/A | N/A |  | Exempt | 1 |
| 1688525 | XXXXXXXXXXX | XXXXXXXXXXX | XXXX | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Minimum loan amount $125,000. Loan amount XXXX. |  | Client waived with compensating factors: Brw FICO 769, Minimum FICO 700. DSCR > 1, qualifying DSCR 1.37. Cash-in-hand $105,161.17 |  |  |  | 10/09/2025 B | 2 | XXXXXXXXXX | NY | 3 | 13 C B | N/A | N/A C |  | Exempt | 1 |
| 1688525 | XXXXXXXXXXX | XXXXXXXXXXX | XXXX | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Appraisal states subject is single family home 1 unit. Discrepancy as 1008, Lock, and Loan approval state property is 2-units. | received revised 1008 and loan approval |  |  | 10/15/2025 |  | A | 1 | XXXXXXXXXX | NY | 3 | 13 C B | N/A | N/A C |  | Exempt | 1 |
| 1688821 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX loan is a cash out. XX cash out letter is required. | Received XXXXX XXXX XXX |  |  | 02/12/2026 |  | A | 1 | XXXXXXXXXX | MO | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1688825 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXXX require the XXXXXXXXX may not be an owner of the business selling the subject property. XXXXXXXXX for XXXXXXXXX selling subject to the XXXX XXXXXXXXX owns. |  | Client waived with compensating factors: XXXXXXXXXXXX XXXXXXXXXX XXXX months reserves when XX months required, mortgage history paid as agreed. |  |  |  | 02/19/2026 B | 2 | XXXXXXXXXX | TN | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1688825 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX XXXXXXXXXXX XXXXXXXXX required for non-arm's length transitions. XXXXXXXXX in file for XXXXXXXXX selling to XXXX the XXXXXXXXX owns. |  | Client waived with compensating factors: XXXXXXXXXXXX XXXXXXXXXX XXXX months reserves when XX months required, mortgage history paid as agreed. |  |  |  | 02/19/2026 B | 2 | XXXXXXXXXX | TN | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1688825 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX short term rentals require a minimum credit score of XXXXXX XXXXXXXXX in file for XXXXXXXXX XXXXX XXXXX |  | Client waived with compensating factors: XXXXXXXXXXXX XXXXXXXXXX XXXX months reserves when XX months required, mortgage history paid as agreed. |  |  |  | 02/19/2026 B | 2 | XXXXXXXXXX | TN | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1688825 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX funds on XXXXX requires senior management approval. XXXXXXXXX in file to allow gift of equity on a XXXXXX |  | Client waived with compensating factors: XXXXXXXXXXXX XXXXXXXXXX XXXX months reserves when XX months required, mortgage history paid as agreed. |  |  |  | 02/19/2026 B | 2 | XXXXXXXXXX | TN | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1688825 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXXX length transactions on investment properties require senior management approval. XXXXXXXXX in file allowing subject non arm's length transaction. |  | Client waived with compensating factors: XXXXXXXXXXXX XXXXXXXXXX XXXX months reserves when XX months required, mortgage history paid as agreed. |  |  |  | 02/19/2026 B | 2 | XXXXXXXXXX | TN | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1688825 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXXXX require max XXXX lender financing concentration on new condo construction. XXXXXXXXX in file allowing subject concentration > XXXXX |  | Client waived with compensating factors: XXXXXXXXXXXX XXXXXXXXXX XXXX months reserves when XX months required, mortgage history paid as agreed. |  |  |  | 02/19/2026 B | 2 | XXXXXXXXXX | TN | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1688825 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXXXX require a XXX reduction for new construction condos. XXXX XXXX for a non-warrantable short term rental new construction is XXXXXX XXXXXXXXX in file to allow XXXX for subject. |  | Client waived with compensating factors: XXXXXXXXXXXX XXXXXXXXXX XXXX months reserves when XX months required, mortgage history paid as agreed. |  |  |  | 02/19/2026 B | 2 | XXXXXXXXXX | TN | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1688825 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXXXX reflect minimum square footage is XXXXXX XXXXXXXXX in file to allow subject XXXX s.f. |  | Client waived with compensating factors: XXXXXXXXXXXX XXXXXXXXXX XXXX months reserves when XX months required, mortgage history paid as agreed. |  |  |  | 02/19/2026 B | 2 | XXXXXXXXXX | TN | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1688826 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXXX required for XXXXXXXXXX length transaction in which the borrower is an owner of the business entity selling the subject property. XXXX guidelines the borrower may not be an owner of a business entity selling the subject property on a XXXXXXXXXX length transaction. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX months reserves when only XX months required, and XXXXXXXX current primary mortgage payment history. |  |  |  | 02/19/2026 B | 2 | XXXXXXXXXX | TN | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1688826 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX XXXXXXXXXXX XXXXXXXXX required for non-arm's length transitions. XXXXXXXXX in file for XXXXXXXXX selling to XXXX the XXXXXXXXX owns. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX months reserves when only XX months required, and XXXXXXXX current primary mortgage payment history. |  |  |  | 02/20/2026 B | 2 | XXXXXXXXXX | TN | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1688826 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX funds on XXXXX requires senior management approval. XXXXXXXXX in file to allow gift of equity on a XXXXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX months reserves when only XX months required, and XXXXXXXX current primary mortgage payment history. |  |  |  | 02/20/2026 B | 2 | XXXXXXXXXX | TN | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1688826 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXXX length transactions on investment properties require senior management approval. XXXXXXXXX in file allowing subject non arm's length transaction. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX months reserves when only XX months required, and XXXXXXXX current primary mortgage payment history. |  |  |  | 02/20/2026 B | 2 | XXXXXXXXXX | TN | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1688826 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXXXX require max XXXX lender financing concentration on new condo construction. XXXXXXXXX in file allowing subject concentration > XXXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX months reserves when only XX months required, and XXXXXXXX current primary mortgage payment history. |  |  |  | 02/20/2026 B | 2 | XXXXXXXXXX | TN | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1688826 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXXXX require a XXX reduction for new construction condos. XXXX XXXX for a non-warrantable short term rental new construction is XXXXXX XXXXXXXXX in file to allow XXXX for subject. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX months reserves when only XX months required, and XXXXXXXX current primary mortgage payment history. |  |  |  | 02/20/2026 B | 2 | XXXXXXXXXX | TN | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1688826 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXXXX reflect minimum square footage is XXXXXX XXXXXXXXX in file to allow subject XXXX s.f. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX months reserves when only XX months required, and XXXXXXXX current primary mortgage payment history. |  |  |  | 02/20/2026 B | 2 | XXXXXXXXXX | TN | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1688827 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXXX required for XXXXXXXXXX length transaction in which the borrower is an owner of the business entity selling the subject property. XXXX guidelines the borrower may not be an owner of a business entity selling the subject property on a XXXXXXXXXX length transaction. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX months reserves when only XX months required and, XXXXXXXX current mortgage payment history. |  |  |  | 02/19/2026 B | 2 | XXXXXXXXXX | TN | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1688827 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX XXXXXXXXXXX XXXXXXXXX required for non-arm's length transitions. XXXXXXXXX in file for XXXXXXXXX selling to XXXX the XXXXXXXXX owns. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX months reserves when only XX months required and, XXXXXXXX current mortgage payment history. |  |  |  | 02/20/2026 B | 2 | XXXXXXXXXX | TN | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1688827 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX funds on XXXXX requires senior management approval. XXXXXXXXX in file to allow gift of equity on a XXXXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX months reserves when only XX months required and, XXXXXXXX current mortgage payment history. |  |  |  | 02/20/2026 B | 2 | XXXXXXXXXX | TN | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1688827 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXXXX require max XXXX lender financing concentration on new condo construction. XXXXXXXXX in file allowing subject concentration > XXXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX months reserves when only XX months required and, XXXXXXXX current mortgage payment history. |  |  |  | 02/20/2026 B | 2 | XXXXXXXXXX | TN | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1688827 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXXXX require a XXX reduction for new construction condos. XXXX XXXX for a non-warrantable short term rental new construction is XXXXXX XXXXXXXXX in file to allow XXXX for subject. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX months reserves when only XX months required and, XXXXXXXX current mortgage payment history. |  |  |  | 02/20/2026 B | 2 | XXXXXXXXXX | TN | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1688827 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXXXX reflect minimum square footage is XXXXXX XXXXXXXXX in file to allow subject XXXX s.f. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX months reserves when only XX months required and, XXXXXXXX current mortgage payment history. |  |  |  | 02/20/2026 B | 2 | XXXXXXXXXX | TN | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1688830 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 437 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XXX XXXXX dated XXXXXXXXXXX XXXXX XXXXXXXXXXX XXXX verbal XXXX must be obtained within XXX business days prior to the note date for employment income. | Received updated XXXX |  |  | 02/09/2026 |  | A | 1 | XXXXXXXXXX | IL | 1 | 1 D A | A | A |  | Non-QM | 1 |
| 1688833 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 437 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XXXXXXXXXXX require XXXXX in file. | Received XXX day XXXX |  |  | 02/07/2026 |  | A | 1 | XXXXXXXXXX | FL | 2 | 1 D A | A | A |  | Non-QM | 1 |
| 1688837 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 320 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX pages of the final closing disclosure were not provided. XXXXX XX of the final XXX dated XXXXXXXXXXX was not included in the loan file. | Received page XX of final XX |  |  | 02/11/2026 |  | A | 1 | XXXXXXXXXX | NY | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1688837 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXXX length transactions not permitted on investment properties. XXXXXXXXX in file allowing non arm's length transaction in file. |  | Client waived with compensating factors: XXXXXXXXX history paid as agreed, XXXX months reserve when XX months required, XXXX XXXX when XXXX permitted. |  |  |  | 02/11/2026 B | 2 | XXXXXXXXXX | NY | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1688837 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX funds not permitted on investment properties. XXXXXXXXX in file allowing gift of equity. |  | Client waived with compensating factors: XXXXXXXXX history paid as agreed, XXXX months reserve when XX months required, XXXX XXXX when XXXX permitted. |  |  |  | 02/11/2026 B | 2 | XXXXXXXXXX | NY | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1688837 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX required minimum XXXXX XXXXXX XXXXXXXXX in file allowing XXXXX XXXXX |  | Client waived with compensating factors: XXXXXXXXX history paid as agreed, XXXX months reserve when XX months required, XXXX XXXX when XXXX permitted. |  |  |  | 02/11/2026 B | 2 | XXXXXXXXXX | NY | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1688839 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX guidelines all units must be over XXXX XXX ft. XXXXXXXXX units below XXXX sq ft. |  | Client waived with compensating factors: XXXXX of XXXX where XXXX is minimum required, XXXXXXXXX has managed multifamily properties since XXXXXX XXXX months reserves after closing where XX months is required. |  |  |  | 02/10/2026 B | 2 | XXXXXXXXXX | ME | 3 | 1 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1688844 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 320 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX inclusion of XXXXXXXX XXXXXXX on all programs requires two years XXXXXXX federal income tax returns reflecting the foreign income. XXXX subject was submitted using XXX month business XXXX statements for income documentation. XXXXXXXXXX approval in file to allow the use of foreign income without XX years tax returns. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXX where the max allowed is XXXXX XXXXXXXX reserves when only XXXX required, residual income of XXXXXXX when only XXXXXXX is required and XXXX fico score where the minimum required is XXXXX |  |  |  | 02/18/2026 B | 2 | XXXXXXXXXX | CA | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1688849 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXXX required for leasehold properties per guidelines. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXX where the max allowed is XXXXX XXXXXXX months reserves when only XX months required, experienced investor, and XXXXXXXX current mortgage payment history primary residence. |  |  |  | 02/06/2026 B | 2 | XXXXXXXXXX | MD | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1688850 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXXXXXX XXXXXXXXXXX approval is required for leasehold properties on all programs. XXXXXXXXXX approval in file for leasehold property, subject hast XXXXX annual lease agreement in file. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXXX reserves when only XXXXXXX required, XXXXX of XXXXXX when only XXXXX is required and XXXX fico score where the minimum required is XXXX |  |  |  | 02/05/2026 B | 2 | XXXXXXXXXX | MD | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1688851 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXXX required for leasehold properties per guidelines. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXX where the max allowed is XXXXX XXXXXXX months reserves when only XX months required, experienced investor, and XXXXXXXX current mortgage payment history primary residence. |  |  |  | 02/06/2026 B | 2 | XXXXXXXXXX | MD | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1688854 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 884 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 02/19/2026 |  | A | 1 | XXXXXXXXXX | FL | 1 | 13 D B C | D | A |  | Non-QM | 1 |
| 1688854 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 970 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - CD- Missing |  | XXXXXX XXX is missing only the initial XXX is provided. | Information provided |  |  | 02/19/2026 |  | A | 1 | XXXXXXXXXX | FL | 1 | 13 D B C | D | A |  | Non-QM | 1 |
| 1688854 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 459 | XXXXXXXXXX | Compliance | Note |  | Note - is missing - No Image of Note found in file |  | XXXXX is missing. | Information provided |  |  | 02/19/2026 |  | A | 1 | XXXXXXXXXX | FL | 1 | 13 D B C | D | A |  | Non-QM | 1 |
| 1688854 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 72 | XXXXXXXXXX | Compliance | Closing Package |  | Closing Package - |  | XXXX XXXXX is missing from file. | Information provided |  |  | 02/20/2026 |  | A | 1 | XXXXXXXXXX | FL | 1 | 13 D B C | D | A |  | Non-QM | 1 |
| 1688854 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX loan is a XXXXXX XXXXXX XXXXX statement loan using XXX months XXXX statements using XXX months statements to calculate the income for one of the businesses. XXXXX an exception for the use of XXX months business statements. |  | Received exception approval to use XXX month XXXX statements for income. compensating XXXXXXXX - XXXXXX reserve XXXXXXXX XXX months and XX months minimum, score XXXX minimum XXXXX XXXX XXXX max XXXXX |  |  |  | 02/23/2026 B | 2 | XXXXXXXXXX | FL | 1 | 13 D B C | D | A |  | Non-QM | 1 |
| 1688858 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX subject property was under the minimum square footage requirements. XXXX minimum square footage allowed is XXXX and the subject property is XXXX square feet. |  | Client waived with compensating factors: XXXX XXXX is XXXXXXXXX and the max XXXX is XXXXXX XXXX borrower's reserves are XXXXXXXXXXXXX or XXXX months and the required reserves are XX months. XXXX XXXXX is XXXX and the minimum XXXXX is XXXXX |  |  |  | 02/10/2026 B | 2 | XXXXXXXXXX | CO | 3 | 3 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1688860 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX lease only < XXXXXXX for all units required per guidelines. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXX where the max allowed is XXXXX XXXXX of XXXXXX where the minimum required is XXXXXXX XXXXXXXXX has been self-employed as a seasoned investment property owner/manager for XXXXX years, and XXXX fico score where the minimum required is XXXXX |  |  |  | 02/06/2026 B | 2 | XXXXXXXXXX | SC | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1688860 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XX appraisal report provided < the required XX appraisal for loan amount XXXXXXXXXXXX > XXXXXXXXXXXX per guidelines. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXX where the max allowed is XXXXX XXXXX of XXXXXX where the minimum required is XXXXXXX XXXXXXXXX has been self-employed as a seasoned investment property owner/manager for XXXXX years, and XXXX fico score where the minimum required is XXXXX |  |  |  | 02/06/2026 B | 2 | XXXXXXXXXX | SC | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1688866 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 328 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXX per XXXXXXXXX guidelines, the maximum mortgage late history is XXXXXXXXXX XXXXX proof of XXXXXXXX and XXXXXXXX XXXXXX payments. | Mortgage statement provided shows next payment due XXXXXXXXXXX XXXXXXXXX XXXX statement shows second mortgage paid. |  |  | 02/04/2026 |  | A | 1 | XXXXXXXXXX | NE | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1688869 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXXXX XXXXX XXXXX XXXXXX narrative report, or similar short form used to appraise XXXX residential properties on XXXXX XXXXXXXXX program. XXXXXXX used XXXX appraisal. XXXXXXXXXX approval in file to allow for use of XXXX appraisal instead of XXXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXX where the max allowed is XXXXX XXXXXXXXX reserves when only XXXXXXXX required, XXXXX of XXXXXX when only XXXXXX is required and XXXX fico score where the minimum required is XXXX |  |  |  | 02/09/2026 B | 2 | XXXXXXXXXX | MA | 3 | 1 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1688872 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 421 | XXXXXXXXXX | Credit | UW Collateral |  | UW Collateral - UW - Appraisal Report invalid or expired |  | XXXXXXXXXXX do not allow appraisals to be over XXXX days without a recertification of value. XXXXXXXXXX dated XXXXXXXXX is greater than XXXX days old without a recertification of value. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXX mortgage history greater than XXX months; XXXXXXXXX income over XXXXXXXXX (over XXXXXXXXXXXX XXXXXXXXXXXX income not used for qualification; XXXXXXXXX of XXXXXXXXXXXX |  |  |  | 02/09/2026 B | 2 | XXXXXXXXXX | CO | 1 | 13 D B | A | A |  | Non-QM | 1 |
| 1688873 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 1055 | XXXXXXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX credit reports for both borrowers are missing from the loan file. XXXX credit review is on hold until documents are received. | Credit reports received |  |  | 02/06/2026 |  | A | 1 | XXXXXXXXXX | NH | 3 | 1 A | N/A | N/A |  | Exempt | 1 |
| 1688881 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 1055 | XXXXXXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX borrower's and co-borrower's credit reports are missing from the loan file. XXXX credit review is on hold until documents are received. | Credit reports received |  |  | 02/10/2026 |  | A | 1 | XXXXXXXXXX | KY | 3 | 1 A | N/A | N/A |  | Exempt | 1 |
| 1688882 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 384 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employment status required |  | XXXXX employed questionnaire is missing for the borrower. | Received XXX |  |  | 02/11/2026 |  | A | 1 | XXXXXXXXXX | CA | 1 | 13 D A | A | A |  | Non-QM | 1 |
| 1688882 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 437 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XXX per XXXXXXXXX guidelines, a verbal XXXX must be done within XXX days of the note date. XXXXXXXX for XXXXXXXXXX | Received XXXX |  |  | 02/11/2026 |  | A | 1 | XXXXXXXXXX | CA | 1 | 13 D A | A | A |  | Non-QM | 1 |
| 1688882 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 437 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XXX per XXXXXXXXX guidelines, a verbal XXXX must be done within XXX days prior to the note date. XXXXXXXX for XXXXXXXXXXXXX | Received XXXX |  |  | 02/11/2026 |  | A | 1 | XXXXXXXXXX | CA | 1 | 13 D A | A | A |  | Non-QM | 1 |
| 1688882 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 328 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXXXX closed in XXXXXXXXX XXXXX proof of XXXXXXX XXX XXXXX mortgage payment. | Received statement showing payment for XXXXXX |  |  | 02/13/2026 |  | A | 1 | XXXXXXXXXX | CA | 1 | 13 D A | A | A |  | Non-QM | 1 |
| 1688884 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 434 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | XXXXXXXXXXXXX reserves are less than the minimum required XX months reserves. XXXXXXX is XXXXXX months. | Management discretion allowed a minimum of XX months reserves. XXXXXXXXXXXXX factors are XXXX XXXX cash downpayment which is XXXX below the maximum XXXX XXXX XXXX re-established credit after bankruptcy and XXXX XXX months of rental payments |  |  | 02/09/2026 |  | A | 1 | XXXXXXXXXX | GA | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1688885 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXXXX is a mobile home located on the site of the subject property. XXXXXXXXXX to the guideline XXXXXXX XXXXXX are an unacceptable property type. |  | Client waived with compensating factors: XXXX is XXXX with a max XXXX of XXXXXX XXXX borrower has XXXXXXXXXXXXXX or XXXX months in reserves, and the required reserves are XX months. XXXX XXXXX is XXXX with a minimum required XXXXX of XXXXX |  |  |  | 02/20/2026 B | 2 | XXXXXXXXXX | CA | 3 | 13 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1688888 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 327 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | XXXXX mortgage payment was XXXXXXX XXX per XXX notes, borrower has been renting since sale of previous primary. XXXXX verifiable rent history since XXXXXXXX |  | Exception approval received. XXXXXXXXXXXXX factors - XXXX XXXX max XXXXX XXXXXX XXXXX min XXXXX reserves XXX months - min XX months |  |  |  | 02/19/2026 B | 2 | XXXXXXXXXX | IL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1688888 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX mortgage payment amount from XXXXXXXXXX previous residence to determine possible payment shock. |  | Exception approval received. XXXXXXXXXXXXX factors - XXXX XXXX max XXXXX XXXXXX XXXXX min XXXXX reserves XXX months - min XX months |  |  |  | 02/19/2026 B | 2 | XXXXXXXXXX | IL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1688889 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXXXXXXXXX reflect rural and modular properties are not allowable. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXX prior mortgage payment history and overall credit history; longtime self-employed business ownership XXXX years; subject property owned free and clear of any liens and will retain XXXX equity |  |  |  | 02/04/2026 B | 2 | XXXXXXXXXX | CO | 1 | 13 C B A | A | A C B |  | Non-QM | 1 |
| 1688892 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXXXXXX guidelines, a property must be owned for XX months to do a refinance with an appraised value. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX XXXXX is XXXXXX loan has a XXXXXX XXXXXX XXXXXXXX mortgage is XXXXXXXXXX XXXX months reserves are required, XXXXXXXXX has XXXXXXX mo reserves. |  |  |  | 02/05/2026 B | 2 | XXXXXXXXXX | PA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1688892 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXXXXXX guidelines, the maximum XXXX for a cash out refinance with a XXXX score is XXXXXX XXXXX is a stacked XXXXXXX XXXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX XXXXX is XXXXXX loan has a XXXXXX XXXXXX XXXXXXXX mortgage is XXXXXXXXXX XXXX months reserves are required, XXXXXXXXX has XXXXXXX mo reserves. |  |  |  | 02/05/2026 B | 2 | XXXXXXXXXX | PA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1688892 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 327 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | XXX per XXXXXXXXX guidelines, a XXX month rental history is required. XXX XXXX or proof found in file. | Received XXX |  |  | 02/05/2026 |  | A | 1 | XXXXXXXXXX | PA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1688892 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 320 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXX per XXXXXXXXX guidelines, a cash out letter is required. XXX must include an explanation what the funds are to be used for and they must be an acceptable use. | Received XXX |  |  | 02/05/2026 |  | A | 1 | XXXXXXXXXX | PA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1688898 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX properties require senior management approval. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXXX where the max allowed is XXXXX XXXXXXX months reserves when only XX months required, XXXX fico score where the minimum required is XXXXX and XXXXXXXXX income of XXXXXXXXXXXXX exceeds the minimum required of XXXXXXXXX |  |  |  | 02/06/2026 B | 2 | XXXXXXXXXX | CA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1688901 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 375 | XXXXXXXXXX | Credit | UW Other |  | UW Other - UW - Title/Deed to evidence ownership |  | XXXXX closed in the name of an individual but title shows in the name of a XXXXXXX | Special XXXXXXXXX XXXXX shows transfer to individual |  |  | 02/06/2026 |  | A | 1 | XXXXXXXXXX | UT | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1688944 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 322 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit - Minimum FICO |  | XXXXXXXXXXX require a minimum XXXXX of XXXX for program. XXXXXXXXX has a XXXXX score of XXXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required. XXXXXXXXX income of XXXXXXX exceeds the minimum required of XXXXXXXXX XXX of XXXXXXXX where the max allowed is XXX |  |  |  | 02/11/2026 B | 2 | XXXXXXXXXX | NV | 1 | 1 C B | A | A C B |  | Safe Harbor QM (APOR) | 1 |
| 1688944 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXXXXXXXXX approval needed to use borrower appraisal with XXXXXX variance score XXXXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required. XXXXXXXXX income of XXXXXXX exceeds the minimum required of XXXXXXXXX XXX of XXXXXXXX where the max allowed is XXX |  |  |  | 02/11/2026 B | 2 | XXXXXXXXXX | NV | 1 | 1 C B | A | A C B |  | Safe Harbor QM (APOR) | 1 |
| 1688958 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXXXX require XXX XXXXXX units must be min XXXX sqft, subject is under requiring sr management approval. |  | COMPENSATING XXXXXXXXX XXXXXXX XXXXXXX with XXXXX XXXXXXXXX XXXX XXXX when max XXXX allowed is XXXXX XXXXX XXXXXX when XXXXX min required is XXXXXX XXXXX XXXX when min XXXXX required is XXXXX XXXXXXX months reserves when only XXXXXXXX is required. XXXXXXXXXXXX XXXXXXXX |  |  |  | 02/11/2026 B | 2 | XXXXXXXXXX | CA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1688959 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXXXXXX guidelines, the minimum XXXXXXXXX income is XXXXXXXXX XXXXXXXXXX residual income is below XXXXXXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX XXXX with a XXXX score is XXXXXX XXXXX XXXX is XXXXXXXXXX XXX reserves are required as XXXX is below XXXXXX XXXXXXXXX has XXXXXXX months reserves. XXXX credit user, all trades are paid or with a balance below XXXXXXX |  |  |  | 02/06/2026 B | 2 | XXXXXXXXXX | AZ | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1688959 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXXXXXX guidelines, the maximum XXXX for a XXXXX time homebuyer is XXXXXX XXXX on loan exceeds XXXX with all debt paid off and/or excluded. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX XXXX with a XXXX score is XXXXXX XXXXX XXXX is XXXXXXXXXX XXX reserves are required as XXXX is below XXXXXX XXXXXXXXX has XXXXXXX months reserves. XXXX credit user, all trades are paid or with a balance below XXXXXXX |  |  |  | 02/06/2026 B | 2 | XXXXXXXXXX | AZ | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1688959 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXXXXXX guidelines, a XXXXX time homebuyer must have a prior rental history. XXXXXXXXX does not. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX XXXX with a XXXX score is XXXXXX XXXXX XXXX is XXXXXXXXXX XXX reserves are required as XXXX is below XXXXXX XXXXXXXXX has XXXXXXX months reserves. XXXX credit user, all trades are paid or with a balance below XXXXXXX |  |  |  | 02/06/2026 B | 2 | XXXXXXXXXX | AZ | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1688962 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX time investor cannot be XXXXX time home buyer without XXXXXXX XXXXXXXXXXX approval. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXX of XXXXXX where the minimum required is XXXXXX XXXXXXX months reserves when only XX months required, XXXX fico score where the minimum required is XXXXXX |  |  |  | 02/19/2026 B | 2 | XXXXXXXXXX | LA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1688988 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 1024 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Gift Receipt |  | XXXX borrowers received XXXXXXXXXX in gift funds from XXXXXXXXX XX gift letter was provided, as required by the guidelines. XXXXX or deposit of funds with title was not verified. | Wire received for funds of XXXXXXXXXXXX XXXXXXXXXXX borrower funds XXXXXXX |  |  | 02/17/2026 |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 C A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1688991 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX XXXX occupancy rate is XXXX < the XXXX required occupancy rate required per guidelines. |  | Exception approval received for occupancy rate of XXXXXX XXXXXXXXXXXXX XXXXXXXX - XXXXXXXXX XXXX XXXX with score of XXXX maximum XXXX XXXX with minimum score of XXXXXX XXXXX XXXXXXX minimum XXXX XXXXXXXXX over XXX months, minimum XX months |  |  |  | 02/11/2026 B | 2 | XXXXXXXXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1688861 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 884 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Testing completed |  |  | 02/10/2026 |  | A | 1 | XXXXXXXXXX | OR | 1 | 13 C B | C | A |  | Non-QM | 1 |
| 1688861 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 971 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - CD- Missing CD Signed by borrower |  | XXXXXX XXX not signed by borrower. | Final XXX provided |  |  | 02/10/2026 |  | A | 1 | XXXXXXXXXX | OR | 1 | 13 C B | C | A |  | Non-QM | 1 |
| 1688861 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXXX needed for no mortgage payment history for subject property as required per guidelines a minimum of XXX months payment history must be obtained. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXXX where the max allowed is XXXXX XXXX fico score where the minimum required is XXXXX XXXXXXX months reserves when only XX months required, and XXXXXXXXX income of XXXXXXXXXXXX exceeds the minimum required of XXXXXXXXX |  |  |  | 02/09/2026 B | 2 | XXXXXXXXXX | OR | 1 | 13 C B | C | A |  | Non-QM | 1 |
| 1688861 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXXX needed for XXXXXXXX XXXXXX > XXX as required per guidelines. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXXX where the max allowed is XXXXX XXXX fico score where the minimum required is XXXXX XXXXXXX months reserves when only XX months required, and XXXXXXXXX income of XXXXXXXXXXXX exceeds the minimum required of XXXXXXXXX |  |  |  | 02/09/2026 B | 2 | XXXXXXXXXX | OR | 1 | 13 C B | C | A |  | Non-QM | 1 |
| 1688861 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXXX needed for XXXXXX property. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXXX where the max allowed is XXXXX XXXX fico score where the minimum required is XXXXX XXXXXXX months reserves when only XX months required, and XXXXXXXXX income of XXXXXXXXXXXX exceeds the minimum required of XXXXXXXXX |  |  |  | 02/09/2026 B | 2 | XXXXXXXXXX | OR | 1 | 13 C B | C | A |  | Non-QM | 1 |
| 1688861 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 1055 | XXXXXXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX final, signed XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Final XXX received |  |  | 02/09/2026 |  | A | 1 | XXXXXXXXXX | OR | 1 | 13 C B | C | A |  | Non-QM | 1 |
| 1688906 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXX XXXXX for a XXXXX XXXX unit is XXXXXX XXXXXXXXX in file allowing XXXXX XXXX XXXXXX |  | Client waived with compensating factors: XXXX XXXXXXX when the guideline allows XXXXX experienced investor, XXXXX XXXXXX when the minimum requirement is XXXXXX XXX months reserve when the minimum requirement is XX months. |  |  |  | 02/13/2026 B | 2 | XXXXXXXXXX | CT | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1688906 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXXXX must be XXXX XXXXXXXXXXXXX XXXXXXXXX in file for XXXXXXXX transferred appraisal. |  | Client waived with compensating factors: XXXX XXXXXXX when the guideline allows XXXXX experienced investor, XXXXX XXXXXX when the minimum requirement is XXXXXX XXX months reserve when the minimum requirement is XX months. |  |  |  | 02/13/2026 B | 2 | XXXXXXXXXX | CT | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1688907 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 1055 | XXXXXXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Bridge XXX received. |  |  | 02/13/2026 |  | A | 1 | XXXXXXXXXX | WA | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1688907 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXXXXXX guidelines, the XXXX cannot exceed XXXX when retirement income is used. XXXXX exceeds XXXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXX reserves are required but XXXXXXXXXX have XXXXXXX months reserves. XXXXXXXXX residual income is XXXXXXXXX XXXXX residual income is XXXXXXXXXXXXX XXXXXXXX loan XXXX is XXXX with a XXXX score. XXXXX XXXX is XXXXXXXXX |  |  |  | 02/13/2026 B | 2 | XXXXXXXXXX | WA | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1688907 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXXXXXX guidelines, the mortgage history must be XXXXXXXXXX XXXXXXXXXX have no current mortgage history. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXX reserves are required but XXXXXXXXXX have XXXXXXX months reserves. XXXXXXXXX residual income is XXXXXXXXX XXXXX residual income is XXXXXXXXXXXXX XXXXXXXX loan XXXX is XXXX with a XXXX score. XXXXX XXXX is XXXXXXXXX |  |  |  | 02/13/2026 B | 2 | XXXXXXXXXX | WA | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1688910 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXXX required for XXXXXXXXXX condotel non-warrantable with delinquencies XXXXXXXX > XXXX maximum permitted, no reserves budgeted and with pending litigation. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX months reserves when only XX months required, XXXXXXXX current mortgage payment history, experienced investor and XXXX fico score where the minimum required is XXXXX |  |  |  | 02/17/2026 B | 2 | XXXXXXXXXX | NV | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1688915 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXXXXX XXXXXXXXXX XXXXXXX requires XXX XXXX reduction XXXX XXXX on XXXX XXXXX XXXXX XXXX is XXXXX minus XXXXXXXXXX market rate reduction of XXX max XXXX is XXXXX XXXX approved XXXXXXXXX stacked. |  | Client XXXXXXX with XXXXX XXXXXXXXX XXXXXXXXXXXX XXXXXXXXXX XXXXX XXXX when min XXXXX is XXXXX XXXXXXXXXXXX reserves when XX mo reserves required. |  |  |  | 02/12/2026 B | 2 | XXXXXXXXXX | FL | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1688916 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXXXXX evidence of six months rent loss coverage for the subject property with minimum coverage based on the lower of the XXXXXX or the actual rents as required per guidelines. | received over XX months loss of use coverage. |  |  | 02/18/2026 |  | A | 1 | XXXXXXXXXX | ID | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1688916 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 328 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXXXXXXX evidence of a satisfactory (maximum XXXXXXXX under the XXXXX XXXXXXXXXX XXXXXXXXX payment history for the subject property as required per guidelines XXXXXXXXX ratings are required on all properties the borrower owns. |  | Exception approval received. XXXXXXXXXXXXX XXXXXXXX - XXXXXX XXXXX min XXXXX XXXXXXXXX history XXX for XXX months, reserves XXX months - min XX months |  |  |  | 02/19/2026 B | 2 | XXXXXXXXXX | ID | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1688916 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 328 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXXXXXXX verification of the mortgage payment reported on the credit report last active XXXXXXXX with a monthly payment amount of XXXXXXXX was paid current for the payments XXXXXXXX and XXXXXXX as required per guidelines not to exceed a maximum XXXXXXXX for all mortgages per XXXXX program guidelines. |  | Exception approval received. XXXXXXXXXXXXX XXXXXXXX - XXXXXX XXXXX min XXXXX XXXXXXXXX history XXX for XXX months, reserves XXX months - min XX months |  |  |  | 02/19/2026 B | 2 | XXXXXXXXXX | ID | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1688918 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 374 | XXXXXXXXXX | Credit | UW Other |  | UW Other - UW - Evidence of legal residency |  | XXXXXXXXXXXX XXX XXXXXXXXX XXXXX not meeting guidelines XXXXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXXXX type |  | Client XXXXXXX with XXXXX XXXXXXXXX XXXXXXXXXXXX XXXXXXXXX owning XX properties, XXXXX XXXXXX when XXXXX required is XXXXXX XXXXX XXXX when only XXXX XXXXX required, XXXXXXXX months reserves only XX months reserves required. |  |  |  | 02/12/2026 B | 2 | XXXXXXXXXX | FL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1688919 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 351 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - DTI exceeds maximum limit |  | XXXXXXXXXXX for a XXXXXX XXXXX XXXXX XXXXXX reflect the maximum XXXX for a XXXXX is XXXXXX XXXX subject loan closed with a XXXX of XXXXXXXXXXX |  | Exception approval received with XXXX over XXXXXX XXXXXXXXXXXXX XXXXXXXX - XXXX XXXXX max XXXXX score XXXXXXXXXXXX XXXXX residual income XXXXXXXXXX payment shock XXXXXXX maximum XX |  |  |  | 02/10/2026 B | 2 | XXXXXXXXXX | NJ | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1688919 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 327 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | XXXXXXXXXXX for a XXXXXX XXXXX XXXXXXXXXX reflect XXX months cancelled checks or management company XXXX is required. XX XXXXXXXX party XXXX is not allowed. | Received XXXX statements showing rent payments for XXX months |  |  | 02/10/2026 |  | A | 1 | XXXXXXXXXX | NJ | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1688920 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXXXXXX guidelines, borrower must have a rental/mortgage history of XXXXXXXXXX XXXXXXXXX does not have any current housing expenses. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX reserves is XX months, borrower has XXXXXXX months. XXXXXXXXX residual income is XXXXXXXX borrower has XXXXXXXXXXXXX XXXXXXXX score for XXXX XXXX is XXXXXX XXXXXXXXX has a XXXX score. |  |  |  | 02/18/2026 B | 2 | XXXXXXXXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1688922 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXXXXXXX XXXXX time investor at XXXXXXX using XXXXXX |  | Client waived with compensating factors: XXXXXXX months reserves where XX are required, XXX months of mortgage credit depth with no late payments, XXXXX of XXXX where XXXX is required. |  |  |  | 02/19/2026 B | 2 | XXXXXXXXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1688922 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXXXXXXX use of full income of XXXXXXX for XXXXX XXXXXXXXXXXX based on the appraisal single family rent schedule XXXXX estimate in combination with the XXXXXXX rentalizer and over view. |  | Client waived with compensating factors: XXXXXXX months reserves where XX are required, XXX months of mortgage credit depth with no late payments, XXXXX of XXXX where XXXX is required. |  |  |  | 02/19/2026 B | 2 | XXXXXXXXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1688926 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXXX must live in commuting distance to employment. XXXXXXXXX in file for XXX living > XX hours from employer and not a remote employee. |  | Client waived with compensating factors: credit file dating back to XXXXXX XXXX months reserve when minimum requirement is XX months, residual income XXXXXXX when the minimum requirement is XXXXXXXX mortgages paid as agreed |  |  |  | 02/10/2026 B | 2 | XXXXXXXXXX | NV | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1688928 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXXXXXX loan appraisal approved by XXXXX XXXXXXXXXXXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required. XXXXXXXXX income of XXXXXXX exceeds the minimum required of XXXXXXXXX XXXX fico score where the minimum required is XXXXX |  |  |  | 02/12/2026 B | 2 | XXXXXXXXXX | ID | 1 | 1 C B A | A | A C B |  | Non-QM | 1 |
| 1688931 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 320 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXXXX borrower to be a XXXXX time investor. XXXXXXXXXXX require multi-family management experience. |  | Client waived with compensating factors: XX months reserves where XX months is required, XXXXX of XXXX where XXXX is required. XXXXXXXXX history since XXXXX with no late payments. |  |  |  | 02/18/2026 B | 2 | XXXXXXXXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1688934 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 378 | XXXXXXXXXX | Credit | UW Other |  | UW Other - UW - Initial/Final 1003 incomplete/missing |  | XXXXXXXXXXX require XXXXXXXXX information when XXXXX XXXXXXX subject XXXXX is XXXXXX XXXXX must reflect all employment information. | Received employment information on XXXX |  |  | 02/18/2026 |  | A | 1 | XXXXXXXXXX | NC | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1688934 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 379 | XXXXXXXXXX | Credit | UW Other |  | UW Other - UW - Letter of Explanation |  | XXXXXXXXXXX require XXXX for negative rent situation for property being financed. | Received XXXX for negative rent |  |  | 02/18/2026 |  | A | 1 | XXXXXXXXXX | NC | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1688935 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXXX require the XXXXXXXXX may not be an owner of the business selling the subject property. XXXXXXXXX for XXXXXXXXX selling subject to the XXXX XXXXXXXXX owns. |  | Client waived with compensating factors: XXXXXXXXXXXX XXXXXXXXXX XXXX months reserves when XX months required, mortgage history paid as agreed. |  |  |  | 02/19/2026 B | 2 | XXXXXXXXXX | TN | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1688935 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX XXXXXXXXXXX XXXXXXXXX required for non-arms length transitions. XXXXXXXXX in file for XXXXXXXXX selling to XXXX the XXXXXXXXX owns. |  | Client waived with compensating factors: XXXXXXXXXXXX XXXXXXXXXX XXXX months reserves when XX months required, mortgage history paid as agreed. |  |  |  | 02/19/2026 B | 2 | XXXXXXXXXX | TN | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1688935 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX short term rentals require a minimum credit score of XXXXXX XXXXXXXXX in file for XXXXXXXXX XXXXX XXXXX |  | Client waived with compensating factors: XXXXXXXXXXXX XXXXXXXXXX XXXX months reserves when XX months required, mortgage history paid as agreed. |  |  |  | 02/19/2026 B | 2 | XXXXXXXXXX | TN | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1688935 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX funds on XXXXX requires senior management approval. XXXXXXXXX in file to allow gift of equity on a XXXXXXX |  | Client waived with compensating factors: XXXXXXXXXXXX XXXXXXXXXX XXXX months reserves when XX months required, mortgage history paid as agreed. |  |  |  | 02/19/2026 B | 2 | XXXXXXXXXX | TN | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1688935 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXXX length transactions on investment properties require senior management approval. XXXXXXXXX in file allowing subject non arm's length transaction. |  | Client waived with compensating factors: XXXXXXXXXXXX XXXXXXXXXX XXXX months reserves when XX months required, mortgage history paid as agreed. |  |  |  | 02/19/2026 B | 2 | XXXXXXXXXX | TN | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1688935 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXXXX require max XXXX lender financing concentration on new condo construction. XXXXXXXXX in file allowing subject concentration > XXXXXX |  | Client waived with compensating factors: XXXXXXXXXXXX XXXXXXXXXX XXXX months reserves when XX months required, mortgage history paid as agreed. |  |  |  | 02/19/2026 B | 2 | XXXXXXXXXX | TN | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1688935 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXXXX require a XXX reduction for new construction condos. XXXX XXXX for a non-warrantable short term rental new construction is XXXXXX XXXXXXXXX in file to allow XXXX for subject. |  | Client waived with compensating factors: XXXXXXXXXXXX XXXXXXXXXX XXXX months reserves when XX months required, mortgage history paid as agreed. |  |  |  | 02/19/2026 B | 2 | XXXXXXXXXX | TN | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1688901 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 328 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXXXX proof of XXXXXXXX XXX XXXXX mortgage payment. XXXXXXXX | Credit XXXXXXX in file shows payment was made for XXXXXXXXX XXXXXXX |  | Client 02/09/2026 02:03 PM; Credit XXXXXXX in file shows payment was made for XXXXXXXXX XXXXXXX XXXXXX you. <br>Reviewer 02/09/2026 07:33 PM; Condition has been reviewed.<br>| 02/09/2026 |  | A | 1 | XXXXXXXXXX | UT | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1688916 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 355 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - Incorrect Product Registration |  | XXXXX approved as a XXXXXXXXXX XXXXXXXXXXX however, the mortgage debt being paid off at closing belongs to a third party not on the subject loan and would therefore be considered a XXXXX XXXX XXXXXXXXXXX | Loan XXXXXXXXX reflects cash out refi |  | Client 02/20/2026 04:47 PM; Unclear what the exception is here. XXXXXXXX loan approval provided. XXXXXXX clear or clarify further. XXXXXX you. <br>Reviewer 02/23/2026 05:23 AM; Condition has been reviewed <br>| 02/23/2026 |  | A | 1 | XXXXXXXXXX | ID | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1688844 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXXXXXXXX for the XXXXXXXXXXXX loan program require for properties listed for sale the subject property must be taken off the market on or before the application date, and the borrower must confirm in writing the reason for the prior listing and intent to occupy the subject property. XXX evidence in writing for the reason and intent to occupy was provided. | Affidavit of occupancy is in file |  | Client 02/24/2026 11:22 AM; Affidavit of occupancy is in file. XXXXXX you. <br>Reviewer 02/24/2026 11:56 AM; Condition has been reviewed <br>| 02/24/2026 |  | A | 1 | XXXXXXXXXX | CA | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1688826 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 322 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit - Minimum FICO |  | XXXX XXXXX is < XXXX minimum XXXXX required when using XXXXXX XXXXX XXXXXXX at maximum XXXX XXXX for a purchase transaction. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX months reserves when only XX months required, and XXXXXXXX current primary mortgage payment history. | Reviewer 02/19/2026 04:47 PM; Received XXXXXXXXXX approval for all deviations. XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX months reserves when only XX months required, and XXXXXXXX current primary mortgage payment history.<br>|  |  | 02/19/2026 B | 2 | XXXXXXXXXX | TN | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1688880 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXXXXX verification of XX months rent loss insurance. XXXX minimum required per guideline for the XXXXXXXXX property XXXXX program. XXXX minimum for the subject is XXXXXXXXXXX XXXXXXX submit. | Extended XXXXXXXXX XXXXXXX and XXXXXX XXXXXXXX was included in XXXX policy |  | Client 03/02/2026 11:27 AM; It is detailed on page XX of XXX on the loan approval, then confirmed the coverage is included with the processor cert. XXXXXXX clear or escalate further. XXXXXX you. <br>Reviewer 03/02/2026 12:52 PM; Condition has been reviewed <br>| 03/02/2026 |  | A | 1 | XXXXXXXXXX | CT | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1688937 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXXXX properties require XXXXXXX XXXXXXXXXXX approval. XXXXXXXX property is rural. |  | Client waived with XXXXXXXXXXXXX factors; XXXXXXX months reserves when only XX months required. XXXXXXXXX income of XXXXXXXXX exceeds the minimum required of XXXXXXXXXX XXXX of XXXXXXXX where the maximum allowed is XXXXX | Reviewer 02/06/2026 02:13 PM; Rural property acreage over XXXXX subject is XXXXXXX acres. <br>|  |  | 02/06/2026 B | 2 | XXXXXXXXXX | ID | 1 | 1 C B A | A | A C B |  | Non-QM | 1 |
| 1688827 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 322 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit - Minimum FICO |  | XXXX XXXXX is < XXXX minimum XXXXX required when using XXXXXX XXXXX XXXXXXX at maximum XXXX XXXX for a purchase transaction. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX months reserves when only XX months required and, XXXXXXXX current mortgage payment history. | Client 02/19/2026 11:26 AM; FICO is directly addressed on loan approval in file. XXXXXX you. <br>Reviewer 02/20/2026 09:33 AM; Condition has been reviewed <br>|  |  | 02/20/2026 B | 2 | XXXXXXXXXX | TN | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1688209 | XXXXXXXXXXX | XXXXXXXXXXX | XXXX | 898 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Borrower chose the company listed on the SSPL for the settlement fees. Sec C fees should be in Sec B. Moving these fees has now caused a 10% tolerance violation for increases in Sec B fees. Violation amount is $1233.08. Need a PCCD with cure, lox to borrower, proof of refund and evidence of payment shipped, all within 60 days of consummation. | Information provided |  | Client 10/02/2025 11:55 PM; The XXXX recommended XXXX. Our borrower used XXXX. As a result the borrower did shop and fees are correctly placed.<br>Reviewer 10/03/2025 09:36 AM; <br>Reviewer 10/03/2025 12:14 PM; Per CD signed at closing SA address is 737 Bishop which matches the SLP. If this is incorrect, please provide a PCCD correcting the SA address. If address is correct, refund is requried.<br>Reviewer 10/03/2025 12:14 PM; Hello <br> Per last disclosed CD, it reflects a settlement agent address of 737 Bishop. If this is incorrect, please provide a PCCD reflecting the correct address of the settlement agent. <br>Thanks<br>| 10/08/2025 |  | A | 1 | XXXXXXXXXX | HI | 1 | 1 D A | C | A |  | Exempt | 1 |
| 1688821 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 328 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXXXX proof of XXXXXXXX XXXXXXXXX mortgage payment XXXXXXXX |  | Lender waived the XXXXXXXX payment to XXXXXXXXX mortgage. XXXXX factors - XXX year credit history, XXX months reported on XXXXXXXXX mtg, XXX months reserves - XX months minimum, XXXXX XXXXX minimum XXX XXXX XXXX - max XXXXXX | Reviewer 02/17/2026 10:10 PM; Did not receive the XXXXXXXX mortgage payment for XXXXXXXXX mortgage XXXXXX<br>Client 02/18/2026 10:15 AM; Hi, exception has been provided on updated approval. XXXXXXXX<br>Reviewer 02/18/2026 11:21 AM; Condition has been reviewed <br>|  |  | 02/18/2026 B | 2 | XXXXXXXXXX | MO | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1688868 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 351 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - DTI exceeds maximum limit |  | XXXX rental income on primary residence allowed per guidelines. XXXXXX income calculation on review equals XXXXXXXXXXXXXX XXXXXXXXXXX of XXXXXXXXXXXX from approval. | Income has been corrected on loan approval. XXXX is now XXXXXXX |  | Client 02/05/2026 03:54 PM; Income has been corrected on loan approval. XXXX is now XXXXXXXXXX XXXXXX you. <br>Reviewer 02/05/2026 04:53 PM; Condition has been reviewed<br>| 02/05/2026 |  | A | 1 | XXXXXXXXXX | CT | 1 | 13 C A | A | A |  | Non-QM | 1 |
| 1688959 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 326 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Evidence Satisfaction of Debt |  | XXX per XXXXXXXXXXXXXXXXXX borrower was paying of XXXXXXXXXX debt. XXX proof it was paid off in the file. | DTI was under XXXX without paying that off. XXXX it was no longer a requirement and therefore we did not pay it off through closing. XXXXXXX XXXXXXX |  | Client 02/06/2026 02:20 PM; The payoff was the original structure due to XXXXXX XXXXXXXX after updating the file once we got conditions, we were able to get XXXX was under XXXX without paying that off. XXX it was no longer a requirement and therefore we did not pay it off through closing. XXXXXX you. <br>Reviewer 02/09/2026 07:33 PM; Condition has been reviewed.<br>| 02/09/2026 |  | A | 1 | XXXXXXXXXX | AZ | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1688907 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 340 | XXXXXXXXXX | Credit | UW Other |  | UW Other - UW - Insurance Missing (MI or Project) |  | XXX insurance is not escrowed on the current primary XXXXXXXXX loan property). XXXXX proof of insurance premium. | HOI provided |  | Client 02/18/2026 10:16 AM; Hi, XXXX for bridge has been provided. XXXXXXXX<br>Reviewer 02/18/2026 01:02 PM; Condition has been reviewed <br>| 02/18/2026 |  | A | 1 | XXXXXXXXXX | WA | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1688210 | XXXXXXXXXXX | XXXXXXXXXXX | XXXX | 447 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - 2yr Employment history not verified |  | Guidelines require evidence the borrower has been self-employed a minimum of 2 years. Per LLC Operating agreement provided, business started 09/2024. | Per guidelines, Applicants must have been successfully self-employed for a minimum of 2 full years; however, a borrower may qualify with less than 2 years but more than 1 year if the borrower can document at least 2 years of documented previous successful employment in the same line of work in which the person is self-employed or related occupation or 1 year of employment and formal education or training in the same line of work. |  | Client 09/19/2025 01:41 PM; per guidelines, Applicants must have been successfully self-employed for a minimum of 2 full <br> years; however, a borrower may qualify with less than 2 years but more than 1 year if the borrower can document at least 2 years of documented previous successful employment in the same line of work in which the person is selfemployed or related occupation or 1 year of employment and formal <br> education or training in the same line of work.<br>Reviewer 09/19/2025 02:32 PM; Condition has been reviewed. Thx<br>| 09/19/2025 |  | A | 1 | XXXXXXXXXX | VA | 1 | 1 D A | A | A |  | Exempt | 1 |
| 1688872 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 320 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXXX statements go to XXXXX XXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXXX XXX XXXXXXXXXXX which is a private residence/townhouse. XXX XXXX as to why they currently go there. | Per XXXX in file: XXXX XXXXXXXXX address was their prior residence. XXXXX just haven't gotten around to changing the address on their statements yet. |  | Client 02/09/2026 12:19 PM; Per XXXX in file: XXXX XXXXXXXXX address was their prior residence. XXXXX just haven't gotten around to changing the address on their statements yet.<br>Reviewer 02/09/2026 02:39 PM; Condition has been reviewed<br>| 02/09/2026 |  | A | 1 | XXXXXXXXXX | CO | 1 | 13 D B | A | A |  | Non-QM | 1 |
| 1688924 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | 327 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | XXXXXXXXXXX require a XXX month rental history to be verified with either copies of front and back of XXX months cancelled checks or a written verification XXXXXXXX from a bona fide management company. XXX XXXX was provided. | Received XXX months rental history |  | Reviewer 02/12/2026 05:57 PM; The rental history provided is for XXXXXXX - XXXXXXXXX XXXXXXX provide a current rental history for the past XXX months. XXXXX closed on XXXXXXXX<br>Reviewer 02/13/2026 11:43 AM; Documents received have previously been reviewed. XXXXXXX provide a current rental history for the past XXX months. XXXX rental history provided is for XXXXXXX - XXXXXXXX<br>| 02/17/2026 |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 C A | A | A |  | Non-QM | 1 |

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## Exhibit 99.07

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.07 - Schedule 3**

![](evolve-logo.jpg)

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| |
|:---|
| **Valuation Report** |
| **Run Date - 03/12/2026 11:02:04 AM** |

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| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | | |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for LTV** | **Appraisal Date** | **Appraisal Type** | **Appraisal Company** | **Appraiser Name** | **Appraiser State License Number** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| 1685952 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | Low Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3 |
| 1688217 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688523 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1688209 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| 1688210 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| 1688524 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| 1688525 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688526 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688527 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| 1688218 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688219 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1688528 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.3 |
| 1688818 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688821 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688825 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688826 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688827 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688829 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | Other | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | Supported | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688830 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688832 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688833 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688837 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688838 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688839 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 71A | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688841 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 71A | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | Acceptable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688842 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688844 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688849 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688850 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688851 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688854 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688858 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688860 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | Other | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | Acceptable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688861 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688863 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX | XXXXX | 4.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688866 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688868 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688869 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 71B | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | Acceptable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688870 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | REASONABLE | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688871 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688872 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688873 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688880 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 71A | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | Acceptable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688881 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688882 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688884 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688885 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688888 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688889 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688890 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688892 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688893 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688896 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688898 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688900 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| 1688901 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688902 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688906 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688907 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688908 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688910 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688914 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688915 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688916 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688918 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688919 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688920 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688922 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688923 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1688924 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688926 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688928 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688931 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 71A | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688934 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688935 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688937 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688944 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -5.22% | XXXX | b | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688956 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688958 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688959 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688961 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688962 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXX | 9.38% | XXXX | B | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688970 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688971 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688972 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688973 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688974 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688979 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | a | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688983 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688988 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688991 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1689000 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |

---

## Exhibit 99.07

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.07 - Schedule 4**

![](evolve-logo.jpg)

---

| |
|:---|
| **Data Compare** |
| **Run Date - 03/12/2026 11:02:04 AM** |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| 1685952 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1685952 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1685952 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 54.85200 | 0.54852 | Verified |
| 1688217 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1688217 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | XXX 30 YR FIXED NO PPP | XXX30Y | Verified |
| 1688217 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1688523 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1688523 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1688523 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1688209 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1688209 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | XXX 30 YR FIXED | XXX30YF | Verified |
| 1688209 | XXXXXXXXXXX | XXXXXXXXXXX | Property Type | Single Family | Condo-Lo 1-4 Stories | Verified |
| 1688209 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1688209 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | Asset Utilization | Verified |
| 1688209 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 49.30700 | 0.51077 | Verified |
| 1688210 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1688210 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1688210 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | Bank Statement | Verified |
| 1688210 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 44.31400 | 0.44314 | Verified |
| 1688210 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1688524 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1688524 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1688524 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1688525 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1688525 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1688525 | XXXXXXXXXXX | XXXXXXXXXXX | Property Type | Two Family | Single Family | Verified |
| 1688525 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1688526 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1688526 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1688526 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1688527 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1688527 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1688527 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1688218 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1688218 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1688218 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1688219 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1688219 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1688219 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | XXX 30 YR FIXED 5 YEAR PPP STEP DN | XXX30Y5YPPSD | Verified |
| 1688219 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1688219 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1688528 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1688528 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1688528 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | XXX 30 YR FIXED 3 YEAR PPP STEP DN | XXX30YF3YPPSD | Verified |
| 1688528 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1688818 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688821 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688821 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | PITI | XXXXXX | XXXXXXXX | Verified |
| 1688825 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 1.088 | 1.030 | Verified |
| 1688825 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1688825 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688825 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1688826 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1688826 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688827 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1688827 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688827 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1688829 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Detached | 5-10 Family | Verified |
| 1688829 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688830 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Qualifying DTI | 0.42129 | 0.47678 | Verified |
| 1688830 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1688830 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag | N | Y | Verified |
| 1688830 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1688830 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1688832 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688832 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1688833 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1688833 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1688833 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1688837 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 1.084 | 1.490 | Verified |
| 1688837 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688838 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1688838 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688838 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1688838 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | PITI | XXXXXX | XXXXXX | Verified |
| 1688839 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 1.632 | 1.550 | Verified |
| 1688839 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Detached | 5-10 Family | Verified |
| 1688839 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1688839 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688841 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Detached | 5-10 Family | Verified |
| 1688841 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1688841 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688842 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688842 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1688842 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1688844 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Original Amortization Term | 360 | 240 | Verified |
| 1688844 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Interest Only | N | Y | Verified |
| 1688844 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1688849 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 1.403 | 1.380 | Verified |
| 1688849 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1688849 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688849 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1688850 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1688850 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688850 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1688851 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1688851 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688851 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1688854 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1688854 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1688858 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688858 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1688860 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Appraised Value | XXXXX | XXXX | Verified |
| 1688860 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Attached | 5-10 Family | Verified |
| 1688860 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688860 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | PITI | XXXXXXXXX | XXXXXXXXX | Verified |
| 1688861 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1688863 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Appraised Value | XXXX | XXXX | Verified |
| 1688863 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Original Amortization Term | 360 | 240 | Verified |
| 1688863 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Interest Only | N | Y | Verified |
| 1688863 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688863 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1688863 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1688866 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1688866 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688866 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1688866 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1688868 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Qualifying DTI | 0.39418 | 0.51438 | Verified |
| 1688868 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1688869 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Detached | 5-10 Family | Verified |
| 1688869 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688870 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688870 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1688871 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Qualifying DTI | 0.46924 | 0.47755 | Verified |
| 1688871 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Higher Priced QM (APOR) | Verified |
| 1688871 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | FullDocumentation | Alternative Doc | Verified |
| 1688872 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Sales Price | XXXXXXXXXXXX |  | Verified |
| 1688872 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1688880 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Detached | 5-10 Family | Verified |
| 1688880 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag | N | Y | Verified |
| 1688880 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688881 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688881 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1688882 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1688882 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1688884 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1688884 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1688885 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 1.435 | 1.400 | Verified |
| 1688885 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1688885 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688885 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1688888 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1688888 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1688888 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1688889 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Appraised Value | XXXX | XXXX | Verified |
| 1688889 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1688889 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Original LTV | XXXXXXXX | XXXXXXXX | Verified |
| 1688889 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Original CLTV | XXXXXXXX | XXXXXXXX | Verified |
| 1688890 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1688892 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688892 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1688893 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1688893 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1688893 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688896 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1688896 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1688898 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 0.894 |  | Verified |
| 1688898 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1688900 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1688900 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1688901 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 1688901 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Interest Only | N | Y | Verified |
| 1688901 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1688901 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688902 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1688902 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1688902 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1688906 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1688906 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688907 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1688907 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1688908 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1688908 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688908 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1688910 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Appraised Value | XXXX | XXXX | Verified |
| 1688910 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | HighRiseCondominium | Condo Hotel | Verified |
| 1688910 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688914 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1688914 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1688915 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1688915 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688916 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 1688916 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Original Amortization Term | 360 | 240 | Verified |
| 1688916 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Interest Only | N | Y | Verified |
| 1688916 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688918 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688919 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1688919 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1688919 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1688920 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Appraised Value | XXXX | XXXX | Verified |
| 1688920 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1688920 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | Y | Verified |
| 1688920 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1688922 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 1688922 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Interest Only | N | Y | Verified |
| 1688922 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Condominium | Condo Hotel | Verified |
| 1688922 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1688922 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688923 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1688923 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688924 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Qualifying DTI | 0.45559 | 0.45560 | Verified |
| 1688924 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1688924 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1688926 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1688926 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1688928 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1688928 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1688931 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 1.367 | 1.380 | Verified |
| 1688931 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Detached | 5-10 Family | Verified |
| 1688931 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688934 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1688934 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688935 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 1.133 | 1.070 | Verified |
| 1688935 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688935 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1688935 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1688937 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 1688937 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Interest Only | N | Y | Verified |
| 1688937 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1688937 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1688944 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Appraised Value | XXXX | XXXX | Verified |
| 1688944 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Safe Harbor QM (APOR) | Verified |
| 1688944 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1688944 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1688956 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1688956 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1688956 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1688958 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1688958 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688959 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1688959 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1688961 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1688961 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1688962 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688970 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | PUD | Four Family | Verified |
| 1688970 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1688970 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688970 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1688971 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | PUD | Four Family | Verified |
| 1688971 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1688971 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688972 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1688972 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1688973 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | PUD | Four Family | Verified |
| 1688973 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1688973 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688974 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | PUD | Four Family | Verified |
| 1688974 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1688974 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688974 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1688979 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1688979 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688979 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1688983 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type |  | Two Family | Verified |
| 1688983 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1688983 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688983 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1688983 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1688988 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Safe Harbor QM (APOR) | Verified |
| 1688991 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 1688991 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Interest Only | N | Y | Verified |
| 1688991 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1688991 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1689000 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1689000 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1689000 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |

---

## Exhibit 99.07

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.07 - Schedule 5**

![](evolve-logo.jpg)

---

| |
|:---|
| **QM ATR Data** |
| **Run Date - 03/12/2026 11:02:04 AM** |

---

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Level ATR/QM Status** | **Verified Safe Harbor** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **GSE Eligible** | **CDFI Indicator** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower Foreign National Indicator** | **Borrower Residency Source** | **Co Borrower Foreign National Indicator** | **Co Borrower Residency Source** | **Residual Income to Qualify?** | **ATR/QM Residual Income** |
| 1685952 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | XXXX | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1688217 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1688523 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 1688209 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | XXXX | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1688210 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | XXXX | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1688524 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1688525 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1688526 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1688527 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1688218 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1688219 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1688528 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Not Required |  | Non Permanent Resident Alien | Other |  |  | No |  |
| 1688818 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1688821 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1688825 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1688826 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1688827 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1688829 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1688830 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $11244.92 | XXXX | 0.00% | Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $7266.97 |
| 1688832 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1688833 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | XXXX | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $36494.14 |
| 1688837 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1688838 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1688839 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1688841 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1688842 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1688844 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $11940.00 | XXXX | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $7077.96 |
| 1688849 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1688850 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1688851 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1688854 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $16083.60 | XXXX | 6.891% | Self-Employed |  | US Citizen |  |  |  | Yes | $21313.02 |
| 1688858 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1688860 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1688861 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $12355.16 | XXXX | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $5409.72 |
| 1688863 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1688866 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1688868 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $17629.88 | XXXX | 7.034% | Employed |  | US Citizen |  |  |  | Yes | $5777.58 |
| 1688869 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1688870 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1688871 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Higher Priced QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $21361.69 | XXXX | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $24849.66 |
| 1688872 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $10739.21 | XXXX | 0.00% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $15493.64 |
| 1688873 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $21122.30 |
| 1688880 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1688881 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1688882 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $12770.00 | XXXX | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $7300.28 |
| 1688884 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $8292.44 | XXXX | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $7197.60 |
| 1688885 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1688888 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $4148.89 | XXXX | 7.595% | Self-Employed |  | US Citizen |  |  |  | Yes | $3247.42 |
| 1688889 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $9301.25 | XXXX | 6.975% | Self-Employed |  | US Citizen |  |  |  | Yes | $3079.81 |
| 1688890 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $7965.68 | XXXX | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $4991.24 |
| 1688892 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1688893 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1688896 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | XXXX | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $9416.42 |
| 1688898 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $10168.38 |
| 1688900 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $4857.50 | XXXX | 7.168% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $5185.26 |
| 1688901 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1688902 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $8510.00 | XXXX | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $11539.98 |
| 1688906 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1688907 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $6843.83 | XXXX | 0.00% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $2203.39 |
| 1688908 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1688910 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1688914 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $7912.59 | XXXX | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $6828.31 |
| 1688915 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1688916 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1688918 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed | Employed | Non Permanent Resident Alien | H-1B Visa | Non Permanent Resident Alien | Other | No |  |
| 1688919 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $1965.00 | XXXX | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $5213.99 |
| 1688920 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $11443.00 | XXXX | 7.14% | Self-Employed |  | US Citizen |  |  |  | Yes | $3970.86 |
| 1688922 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1688923 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1688924 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $11230.41 | XXXX | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $5627.94 |
| 1688926 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $18271.67 | XXXX | 0.00% | Employed | Retired | US Citizen |  | US Citizen |  | Yes | $8752.97 |
| 1688928 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $10531.25 | XXXX | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $4110.16 |
| 1688931 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1688934 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| 1688935 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1688937 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $18960.00 | XXXX | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $36447.70 |
| 1688944 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $0.00 | XXXX | 0.00% | Retired |  | US Citizen |  |  |  | Yes | $3265.48 |
| 1688956 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $2938.82 | XXXX | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $3757.53 |
| 1688958 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1688959 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $4615.00 | XXXX | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $1270.80 |
| 1688961 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $10319.56 | XXXX | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $7058.50 |
| 1688962 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1688970 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1688971 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1688972 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $22105.00 | XXXX | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $15897.39 |
| 1688973 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1688974 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1688979 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1688983 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1688988 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $15141.47 | XXXX | 0.00% | Employed | Not Required | US Citizen |  | US Citizen |  | Yes | $8349.09 |
| 1688991 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1689000 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |

---

## Exhibit 99.07

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.07 - Schedule 6**

![](evolve-logo.jpg)

---

| |
|:---|
| **Additional Data** |
| **Run Date - 03/12/2026 11:02:04 AM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **TILA Status** | **Application Date** | **TRID** | **GSE Eligible** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Qualifying P&I** | **PITIA** | **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 Borrower 4 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** | **Co Borrower 4 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Residual Income** | **Num Units** | **Flood Cert Number** | **FEMA Flood Zone** | **Annual Property Tax** | **Annual 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** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Forth Wage Earner Updated FICO Equifax** | **Forth Wage Earner Updated FICO Experian** | **Forth 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 4 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 4 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Co Borrower 4 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **Loan Program Date** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Wavier (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **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** | **DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Is Equity Shared Loan** | **Title Interest Type** | **Title Held** | **Loan Doc Type** | **PITIA on Other Financed Properties** | **Credit Score Model Name** | **Maturity Date** | **Qualification Method Other Description** | **Index Type Other Description** | **Most Recent 24 Month Pay History** | **Line Utilization** | **Payment History As Of Date** | **Is Line Still Open** | **Property Value Trends** | **Were C/O proceeds included in reserves** | **Borrower Doc Type** | **Co Borrower 2 Doc Type** | **Co Borrower 3 Doc Type** | **Co Borrower 4 Doc Type** | **Reserves in Months** | **Months WVOE** | **ITIN Indicator** | **Condo Warrantable** | **Default Rate Clause** | **Borrower 3 FICO** | **Borrower 4 FICO** | **Borrower 3 Residency Status** | **Borrower 4 Residency Status** | **Buydown** | **Buydown Type** | **Buydown Term** |
| 1685952 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | XXXXXXXX | Yes | No |  |  | XXX | 0.00% | XXXX | $4202.28 | 6.88% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $3558.39 | 1 |  | XXXX | $4601.64 | $4991.04 |  |  |  |  |  | 54.852% |  |  | 20250516 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Non-Primary Income - Retirement] 1099 - 2024;<br> [Borrower - Non-Primary Income - Retirement] 1099 - 2023;<br> [Borrower - Non-Primary Income - Social Security] 1099 - 2023;<br> [Borrower - Non-Primary Income - Social Security] Bank Statements - Personal - 7/2025;<br> [Borrower - Non-Primary Income - Social Security] Award Letter / Continuance Letter - 11/2024;<br> [Borrower - Primary Income - Wages] Paystubs - 4/2025-5/2025;<br> [Borrower - Non-Primary Income - Retirement] Award Letter / Continuance Letter - 7/2025;<br> [Borrower - Primary Income - Wages] Paystubs - 6/2025;<br> [Borrower - Primary Income - Wages] VVOE - 8/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] WVOE - 7/2025 18 months; | [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023; | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXX 30 Yr Fixed | XXX | XXX |  | $0.00 |  |  | 0 | 3 |  | No |  | N/A | 6.875 | 1 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No | 0 |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 15 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688217 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $5357.48 | 7.13% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 2 |  | XXXX | $10692.00 | $2502.96 |  |  |  |  |  |  |  |  | 20251112 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXX 30 YR FIXED NO PPP | XXX | XXX |  |  |  |  | 0 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.12 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 24 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688523 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $1262.54 | 7.38% | Yes | N/A | Not Required |  |  |  |  |  |  | Yes | No |  |  |  | XXXX |  | $0.00 | 1 |  | XXXX | $2064.48 | $1233.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXX 30 YR FIXED 5 YEAR PPP STEP DN | XXX | XXX |  |  |  |  | 0 | 1 |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.27 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  |  | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 13 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688209 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | XXXXXXXX | Yes | No |  |  | XXX | 0.00% | XXXX | $7026.22 | 7.25% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $6769.19 | 1 |  | XXXX | $1050.84 | $3449.16 | XXXX | HI |  |  |  | 51.077% |  |  | 20250722 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 05/2025-07/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] VVOE - 08/2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 05/2025-07/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] Employer Letter - 04/2025;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 08/2025;<br> [Borrower - Primary Income - Wages] Employer Letter - 04/2025; | [Borrower] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2024;<br> [Borrower] Transcripts - 2023;<br> [Co Borrower 1] Transcripts - 2023; | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXX 30 Yr Fixed | XXX | XXX |  | $0.00 |  |  | 2244 | 1.3 |  | No |  | N/A | 7.25 | 1 | 2 | 0 | 0 | 0 | 4 | 0 | 0 | 0 | No | 0 |  |  | No | Fee Simple | Individual(s) | Asset Utilization |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 4 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688210 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | XXXXXXXX | Yes | No |  |  | XXX | 0.00% | XXXX | $5377.52 | 6.88% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $8339.45 | 1 |  | XXXX | $7385.52 | $1568.04 | XXXX | VA | $138.00 |  | Monthly | 44.314% |  |  | 20250814 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 25% | 50% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 08/2024-07/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 08/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXX 30 Yr Fixed | XXX | XXX |  | $0.00 |  |  | 12145 | 1.4 |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No | 0 |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 5 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688524 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $8485.77 | 7.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | XXXX | $21784.80 | $2211.96 |  |  |  |  |  |  |  |  | 20250710 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXX 30 YR FIXED 5 YEAR PPP STEP DN | XXX | XXX |  |  |  |  | 0 | 1.3 |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1 |  |  | No | Fee Simple | Corporation | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Increasing |  |  |  |  |  | 0 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688525 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $1166.57 | 7.88% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | XXXX | $2250.84 | $1568.04 |  |  |  |  |  |  |  |  | 20250820 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXX 30 Yr Fixed 3 Yr PPP Step Dn | XXX | XXX |  |  |  |  | 0 |  |  | No |  | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.37 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 90 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688526 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $1835.07 | 7.25% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 2 |  | XXXX | $2278.08 | $1938.00 |  |  |  |  |  |  |  |  | 20250923 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXX 30 Yr Fixed 3 Yr PPP Step Dn | XXX | XXX |  |  |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.31 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 42 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688527 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $1538.40 | 7.50% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | XXXX | $1364.40 | $1238.16 |  |  |  |  |  |  |  |  | 20250926 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXX 30 YR FIXED 1 YR PPP | XXX | XXX |  |  |  |  | 0 | 2.5 |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.02 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Increasing |  |  |  |  |  | 46 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688218 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $1001.45 | 7.50% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | XXXX | $981.96 | $966.72 |  |  |  |  |  |  |  |  | 20251010 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXX 30 YR FIXED 5 YEAR PPP STEP DN | XXX | XXX |  |  |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.45 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 28 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688219 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $1706.58 | 7.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | XXXX | $3793.92 | $1515.96 | XXXX | TX | $800.04 |  | Annually |  |  |  | 20251017 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXX 30 YR FIXED 5 YEAR PPP STEP DN | XXX | XXX |  |  |  |  | 0 | 1 |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.2 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 102 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688528 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $1202.46 | 7.13% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | XXXX | $2044.08 | $2077.56 |  |  |  |  |  |  |  |  | 20250908 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXX 30 Yr Fixed 3 Yr PPP Step Dn | XXX | XXX |  |  |  |  | 0 | 2.3 |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.37 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Increasing |  |  |  |  |  | 21 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688818 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $2352.63 | 7.25% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | XXXX | $957.96 | $1180.32 |  |  |  |  |  |  |  |  | 20260205 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXX Cash Flow Fixed | XXX | XXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.08 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 1332 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688821 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $1561.48 | 7.38% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 2 |  | XXXX | $4646.04 | $3300.60 |  |  |  |  |  |  |  |  | 20251215 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXX | XXX |  | $0.00 |  |  | -500 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.23 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 78 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688825 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $2266.18 | 8.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | XXXX | $4068.36 | $971.88 | XXXX | TN | $255.88 |  | Monthly |  |  |  | 20260115 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXX | XXX |  | $0.00 |  |  | 3793.12 |  |  | No |  | N/A | 7.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.03 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 269 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688826 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $2046.71 | 8.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | XXXX | $2510.28 | $995.04 | XXXX | TN | $268.87 |  | Monthly |  |  |  | 20260115 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXX | XXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.14 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 298 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688827 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $2181.44 | 8.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | XXXX | $2717.04 | $976.08 | XXXX | TN | $255.88 |  | Monthly |  |  |  | 20260115 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXX | XXX |  | $0.00 |  |  | 3858.75 |  |  | No |  | N/A | 7.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.12 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 280 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688829 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $2257.83 | 7.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 6 |  | XXXX | $2848.20 | $3347.04 |  |  |  |  |  |  |  |  | 20251104 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXX Cash Flow Fixed | XXX | XXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.88 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  |  | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 55 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688830 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $11244.92 | $15863.03 | XXX | 0.00% | XXXX | $3854.20 | 9.25% | No | No | Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $7266.97 | 1 |  | XXXX | $10793.88 | $2671.20 |  |  |  |  |  | 47.678% |  | 47.678% | 20260107 | 651 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 20% |  | 100% |  | [Borrower - Primary Income - Wages] Paystubs - 11/2025 - 12/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] Work Number - 11/2025 - 34 months;<br> [Borrower - Primary Income - Wages] VVOE - 01/2026;<br> [Co Borrower 1 - Primary Income - Sole Proprietor] Business License/Validation - 11/2025;<br> [Co Borrower 1 - Primary Income - Sole Proprietor] Business License/Validation - 11/2026;<br> [Co Borrower 1 - Primary Income - Sole Proprietor] Self-Employment Questionnaire (SEQ) - 8/2025;<br> [Co Borrower 1 - Primary Income - Sole Proprietor] VVOE - 11/2025;<br> [Co Borrower 1 - Primary Income - Sole Proprietor] CPA Letter - 11/2025;<br> [Co Borrower 1 - Primary Income - Sole Proprietor] Bank Statements - Personal - 01/2025 -12/2025 - 12 months;<br> [Co Borrower 1 - Primary Income - Sole Proprietor] VVOE - 01/2026; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXX Expanded Approval A Bank Stmt Fixed | XXX | XXX |  | $11244.92 |  |  | 0 |  |  | No |  | N/A | 9.25 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 22 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688832 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $2854.77 | 7.50% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 2 |  | XXXX | $4782.36 | $1163.04 |  |  |  |  |  |  |  |  | 20260109 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXX | XXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.05 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage | 2409 | Equifax Beacon 5 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 112 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688833 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $19786.36 | $21869.96 | XXX | 0.00% | XXXX | $11246.96 | 7.25% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $36494.14 | 1 |  | XXXX | $13740.96 | $2553.96 | XXXX | FL | $1500.00 |  | Annually | 43.033% |  | 43.033% | 20251107 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 40% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 1/2025 - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Other - 7/2025 - 11/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXX Super-Prime/Alt-A Bank Stmt Fixed | XXX | XXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 11247 | Equifax Beacon 5 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 24 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688837 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $3688.47 | 7.63% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 2 |  | XXXX | $3061.20 | $3828.96 |  |  |  |  |  |  |  |  | 20251204 | 651 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXX Cash Flow Fixed | XXX | XXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.49 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 127 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688838 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $677.25 | 7.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | XXXX | $429.00 | $872.64 |  |  |  |  |  |  |  |  | 20260205 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | Investor DSCR: 30 - Year Fixed | XXX | XXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 2.29 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 115 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688839 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $5812.92 | 7.00% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 5 |  | XXXX | $7756.92 | $3984.96 |  |  |  |  |  |  |  |  | 20251203 | 823 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXX | XXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.55 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | 4385 | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 103 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688841 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $7358.80 | 7.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 5 |  | XXXX | $10032.00 | $6971.04 |  |  |  |  |  |  |  |  | 20251119 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXX | XXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.21 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 30 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688842 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $2034.55 | 7.88% | Yes | Yes | Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | XXXX | $5002.08 | $1797.96 | XXXX | TX | $500.04 | 20260301 | Annually |  |  |  | 20251208 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXX | XXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.88 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 90 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688844 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $11940.00 | $14862.17 | XXX | 0.00% | XXXX | $4853.29 | 7.25% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $7077.96 | 1 |  | XXXX | $9696.84 | $2650.08 |  |  |  |  |  | 44.142% |  | 44.142% | 20251201 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 10% | 100% | 100% | Borrower Prepared | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2024-10/2025 - 12 Stated, Verified but not Verified to Level 4 or Level 5 0 0 0 0 0 0 0 0 0 XXX Super-Prime 10YR IO / 20YR fixed XXX XXX $11,940.00 0 No N/A 7.25 0 0 0 0 0 0 12 0 12 No No Fee Simple Trust Bank Statement Equifax Beacon 5.0 XXXX XXXXXXXXXXXXXXXXXXXXXXXX Stable 16 No FALSE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1688849 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $1756.45 | 7.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 2 |  | XXXX | $2949.96 | $1838.52 |  |  |  |  |  |  |  |  | 20260115 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXX | XXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.38 |  |  | No | Leasehold | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 99 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688850 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $1762.70 | 7.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 2 |  | XXXX | $2949.96 | $1838.52 |  |  |  |  |  |  |  |  | 20260115 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXX | XXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.42 |  |  | No | Leasehold | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 93 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688851 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $1782.63 | 7.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 2 |  | XXXX | $2949.96 | $1845.36 |  |  |  |  |  |  |  |  | 20260115 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXX | XXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.39 |  |  | No | Leasehold | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 99 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688854 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $16083.60 | $17922.15 | XXX | 6.891% | XXXX | $6354.54 | 6.63% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $21313.02 | 1 |  | XXXX | $11071.32 | $12088.56 |  |  |  |  |  | 27.323% |  | 27.323% | 20251216 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 25% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 8/2024-11/2025-16 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 1/22/2026;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 2/4/2026;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 2/4/2026;<br> [Borrower - Primary Income - Bank Statements] VVOE - 2/4/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXX Super-Prime/Alt-A Bank Stmt Fixed | XXX | XXX |  | $16083.60 |  |  | -3387 |  |  | No |  | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 97 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688858 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $1834.33 | 7.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | XXXX | $2581.20 | $1155.00 |  |  |  |  |  |  |  |  | 20251215 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXX | XXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.14 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 281 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688860 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $20312.42 | 7.13% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 8 |  | XXXX | $87696.00 | $9333.36 |  |  |  |  |  |  |  |  | 20251222 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXX | XXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.4 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 14 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688861 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $12355.16 | $12734.66 | XXX | 0.00% | XXXX | $3751.16 | 6.88% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $5409.72 | 1 |  | XXXX | $5466.60 | $2065.92 |  |  |  |  |  | 41.383% |  | 41.383% | 20251224 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 10% | 100% |  |  | [Borrower - Non-Primary Income - Social Security] SS Award Letter - 11/2025;<br> [Borrower - Non-Primary Income - Social Security] Bank Statements - Personal - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 1/2024-12/2025 24 months;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 1/2026;<br> [Borrower - Primary Income - Bank Statements] VVOE - 1/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXX Super-Prime/Alt-A Bank Stmt Fixed | XXX | XXX |  | $12355.16 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 144 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688863 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $4234.56 | 7.00% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | XXXX | $12184.20 | $1503.00 | XXXX | WA | $399.96 |  | Annually |  |  |  | 20251226 | 823 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXX Investor Cash Flow 10YR IO / 20YR fixed 30YR term DSCR | XXX | XXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.02 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 233 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688866 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $1894.74 | 7.13% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | XXXX | $4342.32 | $2387.04 |  |  |  |  |  |  |  |  | 20260102 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXX | XXX |  | $0.00 |  |  | -4740.62 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Increasing |  |  |  |  |  | 101 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688868 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $17629.88 | $18336.69 | XXX | 7.034% | XXXX | $3770.80 | 6.63% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $5777.58 | 1 |  | XXXX | $8604.00 | $2118.00 |  |  |  |  |  | 42.554% |  | 42.554% | 20260105 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 11/2025 - 12/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2024;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2023;<br> [Borrower - Primary Income - Wages] Tax Returns – Personal - 2024; | [Borrower] 1040 - 2024;<br> [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXX Super-Prime/Alt-A Full Doc Fixed | XXX | XXX |  | $17629.88 |  |  | 0 |  |  | No |  | N/A | 6.625 | 2 | 0 | 1 | 0 | 0 | 2 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Increasing |  |  |  |  |  | 5 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688869 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $2788.79 | 6.75% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 6 |  | XXXX | $9400.44 | $4607.04 |  |  |  |  |  |  |  |  | 20260202 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | Investor DSCR: 30 - Year Fixed | XXX | XXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 2.16 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Increasing |  |  |  |  |  | 46 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688870 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $3499.52 | 7.25% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | XXXX | $1867.20 | $972.96 | XXXX | CO | $792.00 | 20260301 | Monthly |  |  |  | 20251215 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXX | XXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 12 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688871 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Higher Priced QM (APOR) | XXXXXXXX | Yes | No | $21361.69 | $26694.78 | XXX | 0.00% | XXXX | $7312.63 | 8.00% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $24849.66 | 1 |  | XXXX | $12753.24 | $3615.00 |  |  |  |  |  | 47.755% | 47.755 |  | 20260106 | 641 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 95% | 5% |  | [Borrower - Primary Income - Partnership] Tax Returns – Business - 2024;<br> [Co Borrower 1 - Primary Income - Partnership] Tax Returns – Business - 2024;<br> [Borrower - Primary Income - Partnership] Other - 01/2026;<br> [Co Borrower 1 - Primary Income - Partnership] Other - 01/2026;<br> [Borrower - Primary Income - Partnership] Telephone Listing / Internet Search / Directory Assistance - 01/2026;<br> [Co Borrower 1 - Primary Income - Partnership] Telephone Listing / Internet Search / Directory Assistance - 01/2026;<br> [Borrower - Primary Income - Partnership] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Partnership] W-2 - 2024;<br> [Borrower - Primary Income - Partnership] VVOE - 01/2026;<br> [Co Borrower 1 - Primary Income - Partnership] VVOE - 01/2026;<br> [Borrower - Primary Income - Partnership] Business Return Transcripts - 2024;<br> [Co Borrower 1 - Primary Income - Partnership] Business Return Transcripts - 2024; | [Borrower] 1040 - 2024;<br> [Co Borrower 1] 1040 - 2024;<br> [Borrower] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2024; | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXX Expanded Approval B Full Doc - Fixed | XXX | XXX |  | $21361.69 |  |  | 0 |  |  | No |  | N/A | 7.999 | 1 | 1 | 0 | 2 | 0 | 2 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | ALTDOC |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 32 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688872 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $10739.21 | $10652.83 | XXX | 0.00% | XXXX | $6869.88 | 7.38% | No | No | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $15493.64 | 1 |  | XXXX | $7075.92 | $7796.04 | XXXX | CO | $1645.08 | 20270101 | Annually | 41.353% |  | 41.353% | 20260102 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 10% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 12/2024-11/2025- 12 mo;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 01/2026;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 01/2026;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 01/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXX Super-Prime/Alt-A Bank Stmt Fixed | XXX | XXX |  | $10739.21 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 70 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688873 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $1999.42 | 6.75% | Yes | Yes | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $21122.30 | 1 |  | XXXX | $3059.04 | $840.00 | XXXX | NH | $400.00 | 20260201 | Monthly | 14.657% |  |  | 20260106 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 12/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Work Number - 12/2025 - 42 Months;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 12/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] Work Number - 12/2025 - 131 Months; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Qualified Exp A 30 - Year Fixed Full Doc | XXX | XXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.75 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 8 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688880 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $5960.65 | 7.13% | Yes | Yes | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 7 |  | XXXX | $15440.88 | $6609.00 |  |  |  |  |  |  |  |  | 20260108 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXX | XXX |  | $0.00 |  |  | 15810 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.17 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 17 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688881 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $2669.53 | 7.38% | Yes | Yes | Employed | Employed | Employed | Employed |  | 1997-04-02T00:00:00 | 2021-04-01T00:00:00 | No | No | No | No |  |  |  | -$2907.45 | 1 |  | XXXX | $4473.00 | $855.36 | XXXX | KY | $359.00 |  | Monthly |  |  |  | 20260108 | 809 | 760 | 783 | 763 | 734 | 731 | 720 |  |  |  |  |  |  |  |  |  | Stated, Verified | Stated, Verified |  | Not Stated, not Verified | Not Stated, not Verified |  | Stated, not Verified | Stated, not Verified |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 1 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXX | XXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.35 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage | 5577 | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 76 |  | No |  | FALSE | 763 | 731 |  |  |  |  |  |
| 1688882 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $12770.00 | $16201.25 | XXX | 0.00% | XXXX | $6575.72 | 6.75% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $7300.28 | 1 |  | XXXX | $17529.60 | $4950.96 |  |  |  |  |  | 47.389% |  | 47.389% | 20260105 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 10% | 50% | 50% |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 01/2025-12/2025-12 mo;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 01/2026;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 12/2022;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Personal - 01/2025-12/2025-12 mo;<br> [Co Borrower 1 - Primary Income - Bank Statements] CPA Letter - 01/2026;<br> [Co Borrower 1 - Primary Income - Bank Statements] Business License/Validation - 12/2022;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 01/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXX Super-Prime/Alt-A Bank Stmt Fixed | XXX | XXX |  | $12770.00 |  |  | -8254 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 83 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688884 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $8292.44 | $10519.42 | XXX | 0.00% | XXXX | $2802.65 | 7.00% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $7197.60 | 1 |  | XXXX | $4826.04 | $1499.76 | XXXX | GA | $104.17 |  | Monthly | 33.339% |  | 33.339% | 20260102 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 80% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 12/2024-12/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 01/09/2026;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 11/01/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 | 7 | 20191126 | 20200313 | 1 | 70 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXX Super-Prime/Alt-A Bank Stmt Fixed | XXX | XXX |  | $8292.44 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Increasing |  |  |  |  |  | 5 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688885 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $2884.11 | 7.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 2 |  | XXXX | $3075.36 | $1997.52 |  |  |  |  |  |  |  |  | 20251230 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXX Cash Flow Fixed | XXX | XXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.4 |  |  | No | Fee Simple | Trust | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 123 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688888 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $4148.89 | $7614.99 | XXX | 7.595% | XXXX | $1810.14 | 7.13% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $3247.42 | 1 |  | XXXX | $3246.96 | $291.48 | XXXX | IL | $313.00 | 20260301 | Monthly | 49.618% |  | 49.618% | 20251230 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 20% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 01/2025-12/2025- 12 mo;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 01/2026;<br> [Borrower - Primary Income - Bank Statements] VVOE - 02/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXX Super-Prime/Alt-A Bank Stmt Fixed | XXX | XXX |  | $4148.89 |  |  | -3524.45 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Increasing |  |  |  |  |  | 12 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688889 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $9301.25 | $9564.52 | XXX | 6.975% | XXXX | $2291.60 | 6.63% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $3079.81 | 1 |  | XXXX | $2106.00 | $3168.00 |  |  |  |  |  | 43.244% |  | 43.244% | 20251120 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 45% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 1/2025-12/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 01/2026;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 01/2026;<br> [Borrower - Primary Income - Bank Statements] VVOE - 01/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXX Super-Prime/Alt-A Bank Stmt Fixed | XXX | XXX |  | $9301.25 |  |  | 0 |  |  | No |  | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 119.55 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688890 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $7965.68 | $9996.95 | XXX | 0.00% | XXXX | $2201.93 | 6.88% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $4991.24 | 1 |  | XXXX | $3421.56 | $1786.32 |  |  |  |  |  | 41.329% |  | 41.329% | 20260126 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Telephone Listing / Internet Search / Directory Assistance - 1/2026;<br> [Borrower - Primary Income - Wages] Paystubs - 11/2025 - 12/2025;<br> [Borrower - Primary Income - Wages] VVOE - 1/2026;<br> [Borrower - Primary Income - Wages] Work Number - 1/2026 - 25 MONTHS;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXX Super-Prime/Alt-A Full Doc Fixed | XXX | XXX |  | $7965.68 |  |  | 0 |  |  | No |  | N/A | 6.875 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full | 3225 | Equifax Beacon 5 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 63 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688892 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $1903.07 | 7.38% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | XXXX | $2379.96 | $1499.04 |  |  |  |  |  |  |  |  | 20260112 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXX | XXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.31 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 37 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688893 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $1450.05 | 7.38% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | XXXX | $1310.16 | $1476.00 |  |  |  |  |  |  |  |  | 20251218 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXX | XXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.14 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Increasing |  |  |  |  |  | 7 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688896 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $0.00 | $0.00 | XXX | 0.00% | XXXX | $5473.60 | 7.00% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $9416.42 | 1 |  | XXXX | $9453.84 | $2345.28 |  |  |  |  |  | 39.487% |  | 39.487% | 20251206 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 25% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 12/2022;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 01/2025-12/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 01/2026;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 01/2026;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 01/2026;<br> [Borrower - Primary Income - Bank Statements] VVOE - 01/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXX Super-Prime/Alt-A Bank Stmt Fixed | XXX | XXX |  | $0.00 |  |  | -1687.5 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 2850 | Equifax Beacon 5 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 15 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688898 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $3746.16 | 7.25% | Yes | Yes | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $10168.38 | 1 |  | XXXX | $6593.88 | $1435.08 |  |  |  |  |  | 46.347% |  |  | 20260107 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 50% | 50% |  | [Borrower - Primary Income - S-Corp] Tax Returns – Business - 2024;<br> [Borrower - Primary Income - S-Corp] K-1 - 2024;<br> [Borrower - Primary Income - S-Corp] Business Return Transcripts - 2024;<br> [Borrower - Primary Income - S-Corp] Business Return Transcripts - 2023;<br> [Borrower - Primary Income - S-Corp] W-2 - 2024;<br> [Borrower - Primary Income - S-Corp] Paystubs - 1/2026;<br> [Borrower - Primary Income - S-Corp] VVOE - 1/2026;<br> [Borrower - Primary Income - Sole Proprietor] VVOE - 1/2026;<br> [Co Borrower 1 - Primary Income - S-Corp] Tax Returns – Business - 2024;<br> [Co Borrower 1 - Primary Income - S-Corp] K-1 - 2024;<br> [Co Borrower 1 - Primary Income - S-Corp] Business Return Transcripts - 2024;<br> [Co Borrower 1 - Primary Income - S-Corp] Business Return Transcripts - 2023;<br> [Co Borrower 1 - Primary Income - S-Corp] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - S-Corp] Paystubs - 1/2026;<br> [Co Borrower 1 - Primary Income - S-Corp] VVOE - 1/2026;<br> [Co Borrower 1 - Primary Income - Sole Proprietor] VVOE - 1/2026; | [Borrower] 1040 - 2024;<br> [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023;<br> [Co Borrower 1] 1040 - 2024;<br> [Co Borrower 1] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2023; | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Qualified Full Doc: 30 - Year Fixed | XXX | XXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 1 | 1 | 0 | 2 | 0 | 4 | 0 | 0 | 0 | No | 0 |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 55 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688900 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $4857.50 | $5906.50 | XXX | 7.168% | XXXX | $1554.37 | 6.75% | No | No | Retired | Retired |  |  |  |  |  | No | No |  |  |  |  |  | $5185.26 | 1 |  | XXXX | $901.20 | $6465.60 |  |  |  |  |  | 38.121% |  | 38.121% | 20251229 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Retirement] Award Letter / Continuance Letter - 04/2011;<br> [Borrower - Primary Income - Retirement] Pension Letter - 01/2026;<br> [Borrower - Primary Income - Retirement] SS Award Letter - 01/2026;<br> [Borrower - Primary Income - Retirement] Third Party Verification - 02/2026;<br> [Borrower - Primary Income - Retirement] Bank Statements - Personal - 10/2025-01/2026 3 Months;<br> [Co Borrower 1 - Primary Income - Retirement] Award Letter / Continuance Letter - 04/2022;<br> [Co Borrower 1 - Primary Income - Retirement] SS Award Letter - 01/2026;<br> [Co Borrower 1 - Primary Income - Retirement] Bank Statements - Personal - 10/2025-12/2025 2 months; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXX Super-Prime/Alt-A Fixed W/Bridge | XXX | XXX |  | $4857.50 |  |  | 9270 | 1.4 |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full | 1147 | Equifax Beacon 5 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 21 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688901 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $2655.82 | 7.38% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | XXXX | $2658.36 | $1002.12 |  |  |  |  |  |  |  |  | 20260113 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXX Expanded Investor - Fixed 10 YR I/O 40 YR Term | XXX | XXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.07 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 51 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688902 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $8510.00 | $11967.41 | XXX | 0.00% | XXXX | $3553.08 | 7.88% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $11539.98 | 1 |  | XXXX | $3113.40 | $1152.84 |  |  |  |  |  | 35.369% |  | 35.369% | 20251119 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 10% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 12/2023-01/2026 - 24 Months;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 01/2026;<br> [Borrower - Primary Income - Bank Statements] VVOE - 01/2026;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 01/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXX Super-Prime/Alt-A Bank Stmt Fixed | XXX | XXX |  | $8510.00 |  |  | -2205 |  |  | No |  | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 9 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688906 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $2810.23 | 7.63% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 4 |  | XXXX | $9150.60 | $4451.04 |  |  |  |  |  |  |  |  | 20260105 | 659 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | Investor DSCR: 30 - Year Fixed | XXX | XXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.48 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 34 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688907 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $6843.83 | $9147.22 | XXX | 0.00% | XXXX | $1727.51 | 6.75% | No | No | Retired | Retired |  |  |  |  |  | No | No |  |  |  |  |  | $2203.39 | 1 |  | XXXX | $5292.00 | $1409.04 |  |  |  |  |  | 45.954% |  | 45.954% | 20260114 | 813 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Non-Primary Income - Social Security] SS Award Letter - 01/2026;<br> [Co Borrower 1 - Non-Primary Income - Social Security] SS Award Letter - 01/2026;<br> [Borrower - Non-Primary Income - Social Security] Bank Statements - Personal - 12/2025-1/2026;<br> [Co Borrower 1 - Non-Primary Income - Social Security] Bank Statements - Personal - 12/2025-1/2026; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXX Super-Prime/Alt-A Fixed W/Bridge | XXX | XXX |  | $6843.83 |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 19 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688908 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $2008.36 | 7.13% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 3 |  | XXXX | $6732.84 | $2511.96 |  |  |  |  |  |  |  |  | 20260115 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXX | XXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.57 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 403 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688910 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $4793.26 | 7.50% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | XXXX | $5395.80 | $615.00 | XXXX | NV | $1637.00 |  | Monthly |  |  |  | 20260115 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXX Cash Flow Fixed DSCR | XXX | XXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 1581 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688914 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $7912.59 | $9375.59 | XXX | 0.00% | XXXX | $2173.38 | 6.63% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $6828.31 | 1 |  | XXXX | $1158.36 | $1331.64 |  |  |  |  |  | 39.15% |  | 39.15% | 20260114 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] CPA Letter - 1/13/2026;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 1/29/2026;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 1/2025-12/2025-12 months;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 1/20/2026;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 1/7/2026;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 2/3/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXX Super-Prime/Alt-A Bank Stmt Fixed | XXX | XXX |  | $7912.59 |  |  | 0 |  |  | No |  | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Trust | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 19 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688915 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $4580.34 | 6.13% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | XXXX | $11512.80 | $2279.16 | XXXX | FL | $304.25 |  | Monthly |  |  |  | 20251229 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXX | XXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.11 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | 17064 | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Declining |  |  |  |  |  | 9 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688916 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $2491.47 | 6.88% | Yes | Yes | Self-Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | XXXX | $3483.36 | $993.96 |  |  |  |  |  |  |  |  | 20260114 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXX Investor Cash Flow 10YR IO / 20YR fixed 30YR term | XXX | XXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 25 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688918 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $1400.82 | 7.13% | Yes | Yes | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | XXXX | $806.28 | $1247.88 |  |  |  |  |  |  |  |  | 20260116 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXX Cash Flow Fixed | XXX | XXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.25 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage | 18292 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 244 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688919 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $1965.00 | $4211.25 | XXX | 0.00% | XXXX | $3873.28 | 7.38% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $5213.99 | 1 |  | XXXX | $10614.96 | $556.08 | XXXX | NJ | $1043.00 |  | Monthly | 45.06% |  | 45.06% | 20260113 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 80% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 01/2025-12/2025 - 12 months;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 01/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXX Super-Prime/Alt-A Bank Stmt Fixed | XXX | XXX |  | $1965.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 16 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688920 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $11443.00 | $13257.10 | XXX | 7.14% | XXXX | $3061.35 | 6.75% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $3970.86 | 1 |  | XXXX | $3872.16 | $5840.88 |  |  |  |  |  | 48.452% |  | 48.452% | 20260116 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 15% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 01/2025-12/2025-12 mo;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 01/2026;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 01/2026;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 01/2026;<br> [Borrower - Primary Income - Bank Statements] VVOE - 02/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXX Super-Prime/Alt-A Bank Stmt Fixed | XXX | XXX |  | $11443.00 |  |  | 15566 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 77 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688922 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $2408.20 | 8.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | XXXX | $1015.32 | $1515.36 | XXXX | FL | $698.00 | 20260301 | Monthly |  |  |  | 20260119 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 10-Year IO + 30-Year Fixed | XXX | XXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.08 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage | 3195 | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 62 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688923 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $1947.05 | 6.88% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | XXXX | $2316.84 | $2448.12 |  |  |  |  |  |  |  |  | 20260116 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXX Cash Flow Fixed DSCR | XXX | XXX |  | $0.00 |  |  | 0 | 1 |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.28 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage | 1605 | Equifax Beacon 5 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 44 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688924 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $11230.41 | $15179.86 | XXX | 0.00% | XXXX | $4383.90 | 6.75% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $5627.94 | 1 |  | XXXX | $8437.56 | $702.36 | XXXX | CA | $870.00 |  | Monthly | 45.56% |  | 45.56% | 20260113 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 20% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 01/2025-12/2025 - 12 months;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 01/2026;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 01/2026;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 01/2026;<br> [Borrower - Primary Income - Bank Statements] VVOE - 01/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXX Super-Prime/Alt-A Bank Stmt Fixed | XXX | XXX |  | $11230.41 |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Declining |  |  |  |  |  | 49 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688926 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $18271.67 | $21295.17 | XXX | 0.00% | XXXX | $4249.34 | 6.63% | No | No | Employed | Retired | Employed |  |  | 2020-12-01T00:00:00 |  | No | No | No |  |  |  |  | $8752.97 | 1 |  | XXXX | $7991.88 | $1246.08 | XXXX | NV | $50.00 |  | Monthly | 46.397% |  | 46.397% | 20260130 | 776 | 642 | 691 | 677 |  |  |  |  |  |  |  |  |  |  |  |  | Stated, Verified |  |  | Stated, Level 5 Verified |  |  | Stated, level 3 Verified |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 12/2025-1/2026;<br> [Borrower - Primary Income - Wages] Paystubs - 12/2025;<br> [Borrower - Primary Income - Wages] Paystubs - 12/2024;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2024;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2023;<br> [Borrower - Non-Primary Income - Social Security] Award Letter / Continuance Letter - 2025;<br> [Borrower - Primary Income - Wages] Employer Letter - 1/2026;<br> [Borrower - Primary Income - Wages] VVOE - 2/2026;<br> [Co Borrower 1 - Non-Primary Income - Social Security] Award Letter / Continuance Letter - 2025;<br> [Co Borrower 1 - Non-Primary Income - Social Security] 1099 - 2024;<br> [Co Borrower 1 - Non-Primary Income - Social Security] 1099 - 2023;<br> [Co Borrower 2 - Primary Income - Wages] Paystubs - 12/2025;<br> [Co Borrower 2 - Primary Income - Wages] Work Number - 1/2026 - 74 months;<br> [Co Borrower 2 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 2 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 2 - Primary Income - Wages] Paystubs - 1/2026;<br> [Borrower - Primary Income - Wages] Work Number - 1/2026 - 149 months;<br> [Co Borrower 2 - Primary Income - Wages] VVOE - 2/2026; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXX Super-Prime/Alt-A Full Doc Fixed w/Bridge | XXX | XXX |  | $18271.67 |  |  | 0 |  |  | No |  | N/A | 6.625 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 134 |  | No |  | FALSE | 677 |  |  |  |  |  |  |
| 1688928 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $10531.25 | $12803.69 | XXX | 0.00% | XXXX | $2853.84 | 6.88% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $4110.16 | 1 |  | XXXX | $2029.08 | $2064.00 |  |  |  |  |  | 43.167% |  | 43.167% | 20260119 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 40% |  |  |  | [Borrower - Primary Income - Bank Statements] VVOE - 02/2026;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 01/2024 - 12/2025 - 24 MONTHS ;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 05/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 01/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXX Super-Prime/Alt-A Bank Stmt Fixed | XXX | XXX |  | $10531.25 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 27 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688931 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $10018.11 | 6.75% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 9 |  | XXXX | $31241.52 | $20873.04 |  |  |  |  |  |  |  |  | 20260119 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXX | XXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.38 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | 2704 | Equifax Beacon 5 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Increasing |  |  |  |  |  | 9 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688934 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $3269.86 | 7.38% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | XXXX | $5341.08 | $944.04 | XXXX | NC | $44.83 |  | Monthly |  |  |  | 20260121 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXX Cash Flow Fixed | XXX | XXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.8 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage | 3270 | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 28 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688935 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $3599.12 | 8.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | XXXX | $6353.76 | $1609.20 | XXXX | TN | $409.80 |  | Monthly |  |  |  | 20260115 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXX | XXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.07 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 170 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688937 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $18960.00 | $23640.63 | XXX | 0.00% | XXXX | $5021.16 | 7.00% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $36447.70 | 1 |  | XXXX | $3639.72 | $4121.64 |  |  |  |  |  | 15.052% |  | 15.052% | 20260122 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 80% | 50% | 50% |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 01/2024 - 12/2025 - 24 MONTHS ;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 01/2024 - 12/2025 - 24 MONTHS ;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 02/2013;<br> [Co Borrower 1 - Primary Income - Bank Statements] Secretary of State (SOS) - 02/2013;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 01/2026;<br> [Co Borrower 1 - Primary Income - Bank Statements] CPA Letter - 01/2026;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 01/2026;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 01/2026;<br> [Borrower - Primary Income - Bank Statements] VVOE - 01/2026;<br> [Borrower - Primary Income - Bank Statements] VVOE - 01/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXX Super-Prime/Alt-A Bank Stmt Fixed 10 YR I/O 40 YR Term | XXX | XXX |  | $18960.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 109 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688944 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | No | $11945.00 | $14334.33 | XXX | 0.00% | XXXX | $2866.52 | 7.75% | No | N/A | Retired |  |  |  |  |  |  | No | No |  |  |  |  |  | $3265.48 | 1 |  | XXXX | $3113.76 | $1625.04 |  |  |  |  |  | 48.977% | 48.977 |  | 20260102 | 636 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Retirement] Award Letter / Continuance Letter - 01/2026;<br> [Borrower - Primary Income - Retirement] Investment Statements - 11/2025-12/2025;<br> [Borrower - Primary Income - Retirement] Bank Statements - Personal - 12/2025-02/2026; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 20240301 | 1 | 168 |  |  |  |  | XXX Expanded Approval C Full Doc - Fixed | XXX | XXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 68 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688956 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $2938.82 | $3731.55 | XXX | 0.00% | XXXX | $1501.12 | 8.13% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $3757.53 | 1 |  | XXXX | $4672.32 | $940.56 |  |  |  |  |  | 35.864% |  | 35.864% | 20260123 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 65% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 02/2025-01/2026;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 02/2026;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 01/2026;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 01/2026;<br> [Borrower - Primary Income - Bank Statements] VVOE - 02/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXX Super-Prime/Alt-A Bank Stmt Fixed | XXX | XXX |  | $2938.82 |  |  | -521.91 |  |  | No |  | N/A | 8.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 94 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688958 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $1715.98 | 7.38% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | XXXX | $1464.48 | $747.60 | XXXX | CA | $468.00 |  | Monthly |  |  |  | 20260123 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXX Cash Flow Fixed | XXX | XXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.09 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage | 6603 | Equifax Beacon 5 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 13 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688959 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $4615.00 | $5759.98 | XXX | 0.00% | XXXX | $1140.55 | 7.00% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $1270.80 | 1 |  | XXXX | $368.76 | $1002.96 | XXXX | AZ | $361.00 | 20260301 | Monthly | 48.18% |  | 48.18% | 20260123 | 817 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 10% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 01/2025-12-2025- 12 mo;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 01/2026;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 01/2026;<br> [Borrower - Primary Income - Bank Statements] VVOE - 01/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXX Super-Prime/Alt-A Bank Stmt Fixed | XXX | XXX |  | $4615.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 27 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688961 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $10319.56 | $12406.34 | XXX | 0.00% | XXXX | $3168.04 | 7.38% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $7058.50 | 1 |  | XXXX | $3628.32 | $2830.44 | XXXX | GA | $525.00 | 20270101 | Annually | 41.084% |  | 41.084% | 20260127 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 10% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 02/2024-01/2026- 24 mo;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 02/2026;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 01/2026;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 01/2026;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 01/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXX Super-Prime/Alt-A Bank Stmt Fixed | XXX | XXX |  | $10319.56 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 12 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688962 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $2554.16 | 7.50% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 4 |  | XXXX | $2529.48 | $8738.16 |  |  |  |  |  |  |  |  | 20260126 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | Investor DSCR: 30 - Year Fixed | XXX | XXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 2.15 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 61 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688970 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $1214.29 | 7.25% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 4 |  | XXXX | $1245.72 | $2812.08 |  |  |  |  |  |  |  |  | 20260122 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXX | XXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 2.26 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 55 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688971 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $1257.05 | 7.25% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 4 |  | XXXX | $1306.68 | $2823.00 |  |  |  |  |  |  |  |  | 20260122 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXX | XXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.77 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 52 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688972 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $22105.00 | $27077.83 | XXX | 0.00% | XXXX | $6671.76 | 6.63% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $15897.39 | 1 |  | XXXX | $9941.40 | $3839.64 | XXXX | GA | $200.04 |  | Annually | 36.15% |  | 36.15% | 20260119 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 25% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 1/2025-12/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 1/2026;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 1/2026;<br> [Borrower - Primary Income - Bank Statements] VVOE - 2/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXX Super-Prime/Alt-A Bank Stmt Fixed | XXX | XXX |  | $22105.00 |  |  | 0 |  |  | No |  | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 9 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688973 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $1376.32 | 7.25% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 4 |  | XXXX | $1437.36 | $3178.08 |  |  |  |  |  |  |  |  | 20260121 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXX | XXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 2.06 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 135 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688974 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $1225.70 | 7.25% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 4 |  | XXXX | $1245.72 | $2949.00 |  |  | $125.00 |  | Monthly |  |  |  | 20260121 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXX | XXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.82 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | 2405 | Equifax Beacon 5 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 158 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688979 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $2015.89 | 6.25% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | XXXX | $2029.80 | $1989.96 |  |  |  |  |  |  |  |  | 20251231 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXX | XXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.04 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 127 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688983 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $1616.52 | 6.38% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 2 |  | XXXX | $2186.88 | $759.96 |  |  |  |  |  |  |  |  | 20251231 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXX | XXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.04 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 58 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688988 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | No | $15141.47 | $18830.13 | XXX | 0.00% | XXXX | $6155.15 | 7.13% | No | No | Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $8349.09 | 1 |  | XXXX | $14606.28 | $4128.96 |  |  |  |  |  | 42.698% | 42.698 |  | 20260129 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Bank Statements - Personal - 11/2025 - 12/2025;<br> [Borrower - Primary Income - Wages] Paystubs - 12/2025 -01/2026;<br> [Borrower - Primary Income - Wages] VVOE - 02/2026;<br> [Borrower - Primary Income - Wages] Work Number - 02/2026 - 17 months;<br> [Borrower - Primary Income - Wages] WVOE - 01/2026 - 17 months;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Employer Letter - 01/2026; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXX Super-Prime/Alt-A Full Doc Fixed | XXX | XXX |  | $15141.47 |  |  | 0 |  |  | No |  | N/A | 7.125 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Increasing |  |  |  |  |  | 1 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1688991 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $2497.01 | 7.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | XXXX | $2913.60 | $3611.88 | XXXX | FL | $8840.04 |  | Annually |  |  |  | 20260115 | 821 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 10-Year IO + 40-Year Fixed | XXX | XXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.32 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Declining |  |  |  |  |  | 40 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1689000 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | XXXX | $1056.80 | 6.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | XXXX | $2252.88 | $787.92 |  |  |  |  |  |  |  |  | 20260203 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXX | XXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.02 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable |  |  |  |  |  | 19 |  | No |  | FALSE |  |  |  |  |  |  |  |

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## Exhibit 99.07

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.07 - Schedule 7**

![](evolve-logo.jpg)

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| |
|:---|
| **Business Purpose Data** |
| **Run Date - 03/12/2026 11:02:04 AM** |

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| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Source for Property DTI Calculation** | **Short Term Rental** | **STR Source** | **STR Amount** | **Property DTI** | **Investor DTI** | **Value Used for DSCR Calc** | **DSCR** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Is Lease Month To Month** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Actual Loss Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Asset Verification** | **Blanket Mortgage Flag** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Borrower 1** | **Foreign National Borrower 2** | **Investor Type** | **Months Reserves** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 4 Designation** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Personal Guarantee** | **Personal Guaranty Recourse Level** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Number of Mortgaged Properties** | **Guarantor 1 Citizenship** | **Guarantor 1 Asset Verification Level** | **Guarantor 1 Experian FICO** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Trans Union FICO** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Number of Mortgaged Properties** | **Guarantor 2 Citizenship** | **Guarantor 2 Asset Verification Level** | **Guarantor 2 Experian FICO** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Trans Union FICO** | **Borrower 1 Employment Status** | **Borrower 2 Employment Status** | **Loan Application Date** | **Sales Contract Date** | **Qualifying Home Value for LTV** | **Number of Units** | **Year Built** | **Total Sq Ft** | **Number of Bedrooms** | **Number of Bathrooms** | **Property Condition** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Borrower Entity Type** | **Name of Borrowing Entity** | **Default Rate Clause** | **EIN Number** |
| 1688217 | XXXXXXXXXXX | XXXXXXXXXXX |  | XXX | XXX | XXX 30 YR FIXED NO PPP | XXXX | Debt Service Coverage | Yes | No | $0.00 | $6000.00 |  | 1025 | No |  | 0 |  |  | XXX | 1.12 | 1.12 | $5357.48 |  |  |  | No |  |  | NO | $0.00 | $891.00 | $208.58 | Stated, Verified | NO | 1 | 3 |  | No | No | Inexperienced | 24 | 7 | US Citizen |  | 760 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXX | XXX |  | US Citizen | Stated, Verified | 815 | 760 | 747 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | 2 | XXXX | XXXX | 6 | 2 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1688523 | XXXXXXXXXXX | XXXXXXXXXXX |  | XXX | XXX | XXX 30 YR FIXED 5 YEAR PPP STEP DN | XXXX | Debt Service Coverage | Yes | No | $0.00 | $1600.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | XXX | 1.27 | 1.27 | $1262.54 |  |  |  | Yes | $16000.00 |  | NO | $0.00 | $172.04 | $102.83 | Stated, Verified | NO | 1 | 2 |  | Yes | No | Experienced | 13 | 2 | Non Permanent Resident Alien |  |  | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXXXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 4 | 2 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1688524 | XXXXXXXXXXX | XXXXXXXXXXX | XXX | XXX | XXX | XXX 30 YR FIXED 5 YEAR PPP STEP DN | XXXX | Debt Service Coverage | Yes | No | $0.00 | $8500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | XXX | 1 | 1 | $8485.77 |  |  |  | Yes | $276210.00 |  | NO | $0.00 | $1815.40 | $184.33 | Stated, Verified | NO | 1 | 1 |  | No | No | Inexperienced | 0 | 2 | US Citizen |  | 680 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXX | XXXXXXXX |  | US Citizen | Stated, Verified | 657 | 680 | 692 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 4 | 2.1 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Corporation | XXXX | No |  |
| 1688525 | XXXXXXXXXXX | XXXXXXXXXXX |  | XXX | XXX | XXXX 30 Yr Fixed 3 Yr PPP Step Dn | XXXX | Debt Service Coverage | Yes | No | $0.00 | $1600.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | XXX | 1.37 | 1.37 | $1166.57 |  |  |  | Yes | $39700.00 |  | NO | $0.00 | $187.57 | $130.67 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 90 | 5 | US Citizen |  | 769 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXXXXXX |  | US Citizen | Stated, Verified | 769 | 763 | 780 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 3 | 1.1 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1688526 | XXXXXXXXXXX | XXXXXXXXXXX | XXX | XXX | XXX | XXXX 30 Yr Fixed 3 Yr PPP Step Dn | XXXX | Debt Service Coverage | Yes | No | $0.00 | $2400.00 |  | 1025 | No |  | 0 |  |  | XXX | 1.31 | 1.31 | $1835.07 |  |  |  | Yes | $35000.00 |  | NO | $0.00 | $189.84 | $161.50 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 42 | 6 | US Citizen |  | 738 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | 2 | XXXX | XXXX | 6 | 4 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1688527 | XXXXXXXXXXX | XXXXXXXXXXX |  | XXX | XXX | XXX 30 YR FIXED 1 YR PPP | XXXX | Debt Service Coverage | Yes | Yes | $1575.00 | $1575.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | XXX | 1.02 | 1.02 | $1538.40 | XXX | 12 | No | Yes | $0.00 | Yes | NO | $0.00 | $113.70 | $103.18 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 46 | 3 | US Citizen |  | 682 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXXXXXXXXX |  | US Citizen | Stated, Verified | 642 | 682 | 688 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 3 | 1 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1688218 | XXXXXXXXXXX | XXXXXXXXXXX | XXX | XXX | XXX | XXXX 30 YR FIXED 5 YEAR PPP STEP DN | XXXX | Debt Service Coverage | Yes | No | $0.00 | $1450.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | XXX | 1.45 | 1.45 | $1001.45 |  |  |  | No |  |  | NO | $0.00 | $81.83 | $80.56 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 28 | 3 | US Citizen |  | 765 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXX | XXXXXXX |  | US Citizen | Stated, Verified | 774 | 765 | 764 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 3 | 1.1 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1688219 | XXXXXXXXXXX | XXXXXXXXXXX |  | XXX | XXX | XXXX 30 YR FIXED 5 YEAR PPP STEP DN | XXXX | Debt Service Coverage | Yes | No | $0.00 | $2050.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | XXX | 1.2 | 1.2 | $1706.58 |  |  |  | Yes | $27500.00 |  | YES | $66.67 | $316.16 | $126.33 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 102 | 0.2 | US Citizen |  | 800 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 800 | 795 | 802 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 3 | 2 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1688528 | XXXXXXXXXXX | XXXXXXXXXXX |  | XXX | XXX | XXXX 30 Yr Fixed 3 Yr PPP Step Dn | XXXX | Debt Service Coverage | Yes | Yes | $1800.00 | $1643.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | XXX | 1.37 | 1.37 | $1202.46 | XXX | 12 | No | Yes | $5000.00 |  | NO | $0.00 | $170.34 | $173.13 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 21 | 8 | Non Permanent Resident Alien |  | 743 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXXXXXXXXXXXXX |  | Non Permanent Resident Alien | Stated, Verified | 743 | 747 | 734 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 3 | 2 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1688818 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | XXXX Investor Cash Flow Fixed | XXXX | Debt Service Coverage | Yes | No | $0.00 | $2550.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | XXX | 1.08 | 1.08 | $2352.63 |  |  |  | Yes | $34046.00 |  | NO | $0.00 | $79.83 | $98.36 | Stated, Verified | NO | 1 | 8 |  | No | No | Experienced | 1 | 3 | US Citizen | US Citizen | 807 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXXXX |  | US Citizen | Stated, Verified | 768 | 774 | 762 | XXXXX | XXXXXXX |  | US Citizen | Stated, Verified | 807 | 808 | 799 | Not Required | Not Required | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 4 | 2 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1688821 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | Investor DSCR: 30 - Year Fixed | XXXX | Debt Service Coverage | Yes | No | $0.00 | $1925.00 |  | 1025 | No |  | 0 |  |  | XXX | 1.23 | 1.23 | $1561.48 |  |  |  | Yes | $54000.00 |  | NO | $0.00 | $387.17 | $275.05 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 78 | 2 | US Citizen |  | 726 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXX | XXXXX |  | US Citizen | Stated, Verified | 726 | 717 | 727 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | 2 | XXXX | XXXX | 4 | 2 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1688825 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | Investor DSCR: 30 - Year Fixed | XXXX | Debt Service Coverage | Yes | No | $0.00 | $1650.00 | FNMA 1007/216 | Short Term Rental Documents | Yes | AirDNA | 2925 |  |  | XXX | 1.03 | 1.03 | $2266.18 |  |  |  | Yes | $25000.00 |  | YES | $255.88 | $339.03 | $80.99 | Stated, Verified | NO | 3 | 4 |  | No | No | Experienced | 269 | 2 | US Citizen |  | 686 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXXXX |  | US Citizen | Stated, Verified | 675 | 686 | 717 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 1 | 1 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1688826 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | Investor DSCR: 30 - Year Fixed | XXXX | Debt Service Coverage | Yes | No | $0.00 | $1350.00 | FNMA 1007/216 | Short Term Rental Documents | Yes | AirDNA | 2340 |  |  | XXX | 1.14 | 1.14 | $2046.71 |  |  |  | Yes | $25000.00 |  | YES | $268.87 | $209.19 | $82.92 | Stated, Verified | NO | 5 | 6 |  | No | No | Experienced | 298 | 2 | US Citizen |  | 686 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXXXX |  | US Citizen | Stated, Verified | 675 | 686 | 717 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 1 | 1 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1688827 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | Investor DSCR: 30 - Year Fixed | XXXX | Debt Service Coverage | Yes | No | $0.00 | $0.00 |  | Short Term Rental Documents | Yes | Other | 2453 |  |  | XXX | 1.12 | 1.12 | $2181.44 |  |  |  | Yes | $25000.00 |  | YES | $255.88 | $226.42 | $81.34 | Stated, Verified | NO | 5 | 6 |  | No | No | Experienced | 280 | 2 | US Citizen |  | 686 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXXXX |  | US Citizen | Stated, Verified | 675 | 686 | 717 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 1 | 1 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1688829 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | XXX Cash Flow Fixed | XXXX | Debt Service Coverage | Yes | Yes | $4000.00 | $4800.00 | Other | Other | No |  | 0 |  |  | XXX | 1.88 | 1.88 | $2257.83 | XXX | 12 |  | Yes | $0.00 | Yes | NO | $0.00 | $237.35 | $278.92 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 55 | 1 | US Citizen |  | 745 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXX | XXXXXX |  | US Citizen | Stated, Verified | 745 | 743 | 721 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | 6 | XXXX | XXXX | 6 | 6 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1688832 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | Investor DSCR: 30 - Year Fixed | XXXX | Debt Service Coverage | Yes | Yes | $3200.00 | $3000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | XXX | 1.05 | 1.05 | $2854.77 | XXX | 12 | No | Yes | $0.00 | Yes | NO | $0.00 | $398.53 | $96.92 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 112 | 3 | US Citizen |  | 764 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXXXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | 2 | XXXX | XXXX | 4 | 2 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1688837 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | XXX Cash Flow Fixed | XXXX | Debt Service Coverage | Yes | No | $0.00 | $5500.00 |  | 1025 | No |  | 0 |  |  | XXX | 1.49 | 1.49 | $3688.47 |  |  |  | Yes | $40000.00 |  | NO | $0.00 | $255.10 | $319.08 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 127 | 5 | US Citizen |  | 651 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | 2 | XXXX | XXXX | 5 | 2 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1688838 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | Investor DSCR: 30 - Year Fixed | XXXX | Debt Service Coverage | Yes | No | $0.00 | $1550.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | XXX | 2.29 | 2.29 | $677.25 |  |  |  | Yes | $20000.00 |  | NO | $0.00 | $35.75 | $72.72 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 115 | 10 | US Citizen |  | 792 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXX |  | US Citizen | Stated, Verified | 792 | 792 | 788 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 3 | 1 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1688839 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | Investor DSCR: 30 - Year Fixed | XXXX | Debt Service Coverage | Yes | Yes | $9550.00 | $9576.51 | Other | Leases | No |  | 0 |  |  | XXX | 1.55 | 1.55 | $5812.92 | XXX | 12 |  | Yes | $0.00 | Yes | NO | $0.00 | $646.41 | $332.08 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 103 | 5 | US Citizen |  | 823 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXXX | XXXXXX |  | US Citizen | Stated, Verified | 832 | 813 | 823 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | 5 | XXXX | XXXX | 6 | 6 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1688841 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | Investor DSCR: 30 - Year Fixed | XXXX | Debt Service Coverage | Yes | No | $0.00 | $8922.00 | FNMA 1007/216 | Other | No |  | 0 |  |  | XXX | 1.21 | 1.21 | $7358.80 |  |  |  | Yes | $75000.00 |  | NO | $0.00 | $836.00 | $580.92 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 30 | 1 | US Citizen |  | 771 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | 5 | XXXX | XXXX | 9 | 5 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1688842 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | Investor DSCR: 30 - Year Fixed | XXXX | Debt Service Coverage | Yes | Yes | $2200.00 | $1800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | XXX | 0.88 | 0.88 | $2034.55 | XXXX | 12 | No | Yes | $0.00 | Yes | YES | $41.67 | $416.84 | $149.83 | Stated, Verified | NO | 1 | 7 |  | No | No | Experienced | 90 | 5 | US Citizen | US Citizen | 720 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXX | XXXXXX |  | US Citizen | Stated, Verified | 702 | 730 | 720 | XXXX | XXXXXX |  | US Citizen | Stated, Verified | 709 | 716 | 726 | Employed | Not Required | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 3 | 2.1 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1688849 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | Investor DSCR: 30 - Year Fixed | XXXX | Debt Service Coverage | Yes | Yes | $2421.00 | $2850.00 |  | Leases | No |  | 0 |  |  | XXX | 1.38 | 1.38 | $1756.45 | XXX | 12 |  | Yes | $15000.00 |  | NO | $0.00 | $245.83 | $153.21 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 99 | 8 | US Citizen |  | 720 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXX | XXXXXXX |  | US Citizen | Stated, Verified | 725 | 710 | 720 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | 2 | XXXX | XXXX | 5 | 2.2 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1688850 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | Investor DSCR: 30 - Year Fixed | XXXX | Debt Service Coverage | Yes | Yes | $1250.00 | $2850.00 |  | 1025 | No |  | 0 |  |  | XXX | 1.42 | 1.42 | $1762.70 | XXX | 12 |  | Yes | $15000.00 |  | YES | $6.25 | $245.83 | $153.21 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 93 | 8 | US Citizen |  | 720 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXX | XXXXXXX |  | US Citizen | Stated, Verified | 725 | 710 | 720 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | 2 | XXXX | XXXX | 5 | 2.2 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1688851 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | Investor DSCR: 30 - Year Fixed | XXXX | Debt Service Coverage | Yes | No | $0.00 | $2850.00 |  | 1025 | No |  | 0 |  |  | XXX | 1.39 | 1.39 | $1782.63 |  |  |  | Yes | $16200.00 |  | NO | $0.00 | $245.83 | $153.78 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 99 | 8 | US Citizen |  | 720 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXX | XXXXXXX |  | US Citizen | Stated, Verified | 725 | 710 | 720 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | 2 | XXXX | XXXX | 5 | 2.2 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1688858 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | Investor DSCR: 30 - Year Fixed | XXXX | Debt Service Coverage | Yes | Yes | $2100.00 | $1900.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | XXX | 1.14 | 1.14 | $1834.33 | XXX | 12 |  | Yes | $18000.00 |  | NO | $0.00 | $215.10 | $96.25 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 281 | 7 | US Citizen |  | 731 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXXXX |  | US Citizen | Stated, Verified | 692 | 731 | 737 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 0 | 1 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1688860 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | Investor DSCR: 30 - Year Fixed | XXXX | Debt Service Coverage | Yes | Yes | $30192.00 | $28435.41 | Other | Leases | No |  | 0 |  |  | XXX | 1.4 | 1.4 | $20312.42 | XXX | 24 | No | Yes | $80000.00 |  | NO | $0.00 | $7308.00 | $777.78 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 14 | 3 | US Citizen |  | 708 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXXXX | XXXXXXX |  | US Citizen | Stated, Verified | 745 | 691 | 708 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | 8 | XXXX | XXXX | 36 | 16 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1688863 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | XXX Investor Cash Flow 10YR IO / 20YR fixed 30YR term DSCR | XXXX | Debt Service Coverage | Yes | No | $0.00 | $4300.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | XXX | 1.02 | 1.02 | $4234.56 |  |  |  | Yes | $0.00 | Yes | YES | $33.33 | $1015.35 | $125.25 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 233 | 11 | US Citizen | US Citizen | 823 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXX | XXXXXX |  | US Citizen | Stated, Verified | 825 | 808 | 823 | XXXXXXXXX | XXXXXX |  | US Citizen | Stated, Verified | 820 | 807 | 823 | Not Required | Not Required | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 4 | 2.1 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1688866 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | Investor DSCR: 30 - Year Fixed | XXXX | Debt Service Coverage | Yes | Yes | $1900.00 | $2315.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | XXX | 1 | 1 | $1894.74 | xXX | 12 | No | Yes | $0.00 | Yes | NO | $0.00 | $361.86 | $198.92 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 101 | 2 | US Citizen |  | 799 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXX | XXXXXXX |  | US Citizen | Stated, Verified | 799 | 814 | 788 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 3 | 2 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1688869 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | Investor DSCR: 30 - Year Fixed | XXXX | Debt Service Coverage | Yes | Yes | $6426.00 | $7500.00 | Other | Leases | No |  | 0 |  |  | XXX | 2.16 | 2.16 | $2788.79 | XXX | 12 | No | Yes | $0.00 | Yes | NO | $0.00 | $783.37 | $383.92 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 46 | 2 | US Citizen |  | 788 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXXXXXX |  | US Citizen | Stated, Verified | 797 | 788 | 782 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | 6 | XXXX | XXXX | 6 | 6 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1688870 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | Investor DSCR: 30 - Year Fixed | XXXX | Debt Service Coverage | Yes | Yes | $3500.00 | $3500.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | XXX | 1 | 1 | $3499.52 | XXX | 24 | No | Yes | $21000.00 |  | YES | $792.00 | $155.60 | $81.08 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 12 | 7 | US Citizen |  | 731 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXXXX |  | US Citizen | Stated, Verified | 692 | 731 | 737 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 3 | 2 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1688873 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | Investor Income Qualified Exp A 30 - Year Fixed Full Doc | XXXX | Full | Yes | No | $0.00 | $1600.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 14.657 |  | XXX |  |  | $1999.42 |  |  |  | Yes | $20000.00 |  | YES | $400.00 | $254.92 | $70.00 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 8 | 11 | US Citizen | US Citizen | 777 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXXX | XXXXXXXXX | Co-Borrower | Co-Borrower | XXXXX | XXXXXXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 2 | 2 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1688880 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | Investor DSCR: 30 - Year Fixed | XXXX | Debt Service Coverage | Yes | Yes | $6575.00 | $9700.00 | Other | Leases | No |  | 0 |  |  | XXX | 1.17 | 1.17 | $5960.65 | XXX | 12 | No | Yes | $0.00 | Yes | NO | $0.00 | $1286.74 | $550.75 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 17 | 17 | US Citizen | US Citizen | 719 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXX | XXXXXXXXXXXXXXX |  | US Citizen | Stated, Verified | 661 | 685 | 685 | XXXXXXXXX | XXXXX |  | US Citizen | Stated, Verified | 704 | 719 | 722 | Employed | Employed | XXXX | XXXX | XXXX | 7 | XXXX | XXXX | 10 | 7 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1688881 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | Investor DSCR: 30 - Year Fixed | XXXX | Debt Service Coverage | Yes | No | $0.00 | $2200.00 | FNMA 1007/216 | Short Term Rental Documents | Yes | AirDNA | 3594 |  |  | XXX | 1.35 | 1.35 | $2669.53 |  |  |  | Yes | $45000.00 |  | YES | $359.00 | $372.75 | $71.28 | Stated, Verified | NO | 1 | 3 |  | No | No | Inexperienced | 76 | 18 | US Citizen | US Citizen | 809 | 0 | 0 |  |  | 0 | 0 | 0 | 1 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXX | Co-Borrower | Co-Borrower | XXXXXX | XXXXX | Co-Borrower | XXXXXX | XXXX | Co-Borrower | XXXX | XXXX | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 2 | 2 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1688885 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | XXX Cash Flow Fixed | XXXX | Debt Service Coverage | Yes | Yes | $4040.00 | $4695.00 |  | Leases | No |  | 0 |  |  | XXX | 1.4 | 1.4 | $2884.11 | XXX | 12 |  | Yes | $0.00 | Yes | NO | $0.00 | $256.28 | $166.46 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 123 | 30 | US Citizen |  | 765 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | 2 | XXXX | XXXX | 2 | 2 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Trust | XXXX | No |  |
| 1688892 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | Investor DSCR: 30 - Year Fixed | XXXX | Debt Service Coverage | Yes | Yes | $2695.00 | $2500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | XXX | 1.31 | 1.31 | $1903.07 | XXX | 12 |  | Yes | $54470.00 |  | NO | $0.00 | $198.33 | $124.92 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 37 | 6 | US Citizen |  | 753 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXX | XXXXXXXXX |  | US Citizen | Stated, Verified | 721 | 763 | 753 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 6 | 2.1 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1688893 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | Investor DSCR: 30 - Year Fixed | XXXX | Debt Service Coverage | Yes | No | $0.00 | $1650.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | XXX | 1.14 | 1.14 | $1450.05 |  |  |  | Yes | $24817.00 |  | NO | $0.00 | $109.18 | $123.00 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 7 | 3 | US Citizen |  | 760 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXX |  | US Citizen | Stated, Verified | 761 | 760 | 738 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 3 | 2 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1688898 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | Investor Income Qualified Full Doc: 30 - Year Fixed | XXXX | Full | Yes | Yes | $2600.00 | $3600.00 | FNMA 1007/216 |  | No |  | 0 | 46.347 |  | XXX | 0 | 0 | $3746.16 | XXX | 1 | Yes | No |  |  | NO | $0.00 | $549.49 | $119.59 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 55 | 4 | US Citizen | US Citizen | 771 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXXX | Co-Borrower | Co-Borrower | XXXXXX | XXXXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 3 | 1 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1688901 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | XXX Expanded Investor - Fixed 10 YR I/O 40 YR Term | XXXX | Debt Service Coverage | Yes | Yes | $3800.00 | $2850.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | XXX | 1.07 | 1.07 | $2655.82 | XXX | 6 | No | Yes | $36000.00 |  | NO | $0.00 | $221.53 | $83.51 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 51 | 6 | US Citizen |  | 797 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 3 | 2 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1688906 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | Investor DSCR: 30 - Year Fixed | XXXX | Debt Service Coverage | Yes | Yes | $4200.00 | $5050.00 |  | Leases | No |  | 0 |  |  | XXX | 1.48 | 1.48 | $2810.23 | XXX | 12 | No | Yes | $91058.00 |  | NO | $0.00 | $762.55 | $370.92 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 34 | 4 | US Citizen |  | 659 | 0 | 0 |  |  | 1 | 0 | 0 |  |  |  |  | XXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | 4 | XXXX | XXXX | 8 | 5 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1688908 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | Investor DSCR: 30 - Year Fixed | XXXX | Debt Service Coverage | Yes | No | $0.00 | $3150.00 |  | 1025 | No |  | 0 |  |  | XXX | 1.57 | 1.57 | $2008.36 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $561.07 | $209.33 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 403 | 5 | US Citizen |  | 707 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | 3 | XXXX | XXXX | 3 | 3 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1688910 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | XXX Cash Flow Fixed DSCR | XXXX | Debt Service Coverage | Yes | No | $0.00 | $0.00 |  | Short Term Rental Documents | Yes | AirDNA | 4800 |  |  | XXX | 1 | 1 | $4793.26 |  |  |  | Yes | $28800.00 |  | YES | $1637.00 | $449.65 | $51.25 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 1 | 2 | US Citizen |  | 804 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 1 | 1.1 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1688915 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | Investor DSCR: 30 - Year Fixed | XXXX | Debt Service Coverage | Yes | No | $0.00 | $4300.00 | FNMA 1007/216 | Short Term Rental Documents | Yes | AirBNB | 5090 |  |  | XXX | 1.11 | 1.11 | $4580.34 |  |  |  | Yes | $60937.00 |  | YES | $304.25 | $959.40 | $189.93 | Stated, Verified | NO | 1 | 7 |  | No | No | Experienced | 9 | 11 | US Citizen |  | 753 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXX | XXXXXXXX |  | US Citizen | Stated, Verified | 701 | 768 | 753 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 6 | 5 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1688916 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | XXX Investor Cash Flow 10YR IO / 20YR fixed 30YR term | XXXX | Debt Service Coverage | Yes | No | $0.00 | $2500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | XXX | 1 | 1 | $2491.47 |  |  |  | No |  |  | NO | $0.00 | $290.28 | $82.83 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 25 | 12 | US Citizen | US Citizen | 788 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXXXX | XXXXX | Co-Borrower | Co-Borrower | XXXXXX | XXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Not Required | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 3 | 3 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1688918 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | XXX Cash Flow Fixed | XXXX | Debt Service Coverage | Yes | Yes | $1750.00 | $1750.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | XXX | 1.25 | 1.25 | $1400.82 | XXX | 12 |  | Yes | $24664.00 |  | NO | $0.00 | $67.19 | $103.99 | Stated, Verified | NO | 1 | 6 |  | No | No | Experienced | 244 | 0.2 | Non Permanent Resident Alien | Non Permanent Resident Alien | 762 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXXXXXXXX | XXXXXX | Co-Borrower | Co-Borrower | XXXXXXXXXXX | XXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 2 | 2 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1688922 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | Investor DSCR: 10-Year IO + 30-Year Fixed | XXXX | Debt Service Coverage | Yes | No | $0.00 | $2600.00 | FNMA 1007/216 | FNMA 1007/216 | No | 1007/216 | 2600 |  |  | XXX | 1.08 | 1.08 | $2408.20 |  |  |  | Yes | $20000.00 |  | YES | $698.00 | $84.61 | $126.28 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 62 | 8 | US Citizen |  | 706 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXXX | XXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 1 | 1 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1688923 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | XXX Cash Flow Fixed DSCR | XXXX | Debt Service Coverage | Yes | Yes | $2500.00 | $2575.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | XXX | 1.28 | 1.28 | $1947.05 | XXX | 12 | No | Yes | $65010.00 |  | NO | $0.00 | $193.07 | $204.01 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 44 | 20 | US Citizen |  | 720 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 4 | 2 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1688931 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | Investor DSCR: 30 - Year Fixed | XXXX | Debt Service Coverage | Yes | Yes | $15000.00 | $13500.00 | Other | Other | No |  | 0 |  |  | XXX | 1.38 | 1.38 | $10018.11 | XXX | 12 | No | Yes | $55000.00 |  | NO | $0.00 | $2603.46 | $1739.42 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 9 | 6 | US Citizen |  | 754 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXX | XXXXX |  | US Citizen | Stated, Verified | 763 | 754 | 746 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | 9 | XXXX | XXXX | 18 | 9 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1688934 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | XXX Cash Flow Fixed | XXXX | Debt Service Coverage | Yes | No | $0.00 | $2600.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | XXX | 0.8 | 0.8 | $3269.86 |  |  |  | Yes | $42200.00 |  | YES | $44.83 | $445.09 | $78.67 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 28 | 0.4 | Permanent Resident Alien |  | 703 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 4 | 2.1 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1688935 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | Investor DSCR: 30 - Year Fixed | XXXX | Debt Service Coverage | Yes | No | $0.00 | $0.00 |  | Short Term Rental Documents | Yes | Other | 3869 |  |  | XXX | 1.07 | 1.07 | $3599.12 |  |  |  | Yes | $25000.00 |  | YES | $409.80 | $529.48 | $134.10 | Stated, Verified | NO | 3 | 4 |  | No | No | Experienced | 170 | 2 | US Citizen |  | 686 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXXXX |  | US Citizen | Stated, Verified | 675 | 686 | 717 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 2 | 2 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1688958 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | XXX Cash Flow Fixed | XXXX | Debt Service Coverage | Yes | No | $0.00 | $1875.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | XXX | 1.09 | 1.09 | $1715.98 |  |  |  | Yes | $15000.00 |  | YES | $468.00 | $122.04 | $62.30 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 13 | 7 | US Citizen |  | 758 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXX | XXXXXXXXXXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 1 | 1 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1688962 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | Investor DSCR: 30 - Year Fixed | XXXX | Debt Service Coverage | Yes | No | $0.00 | $5500.00 |  | 1025 | No |  | 0 |  |  | XXX | 2.15 | 2.15 | $2554.16 |  |  |  | Yes | $24000.00 |  | NO | $0.00 | $210.79 | $728.18 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 61 | 2 | US Citizen |  | 771 | 0 | 0 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXXX | XXXXXXXXXXXXX |  | US Citizen | Stated, Verified | 771 | 775 | 757 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | 4 | XXXX | XXXX | 10 | 6.4 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1688970 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | Investor DSCR: 30 - Year Fixed | XXXX | Debt Service Coverage | Yes | Yes | $2750.00 | $2900.00 |  | Leases | No |  | 0 |  |  | XXX | 2.26 | 2.26 | $1214.29 | XXX | 12 | No | Yes | $47400.00 |  | YES | $125.00 | $103.81 | $234.34 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 55 | 7 | US Citizen | US Citizen | 779 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXXX | Co-Borrower | Co-Borrower | XXXX | XXXXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXX | XXXX | XXXX | 4 | XXXX | XXXX | 8 | 4.4 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1688971 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | Investor DSCR: 30 - Year Fixed | XXXX | Debt Service Coverage | Yes | Yes | $2225.00 | $3200.00 |  | Leases | No |  | 0 |  |  | XXX | 1.77 | 1.77 | $1257.05 | XXX | 12 |  | Yes | $48000.00 |  | YES | $125.00 | $108.89 | $235.25 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 52 | 7 | US Citizen | US Citizen | 779 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXX | XXXXXXX |  | US Citizen | Stated, Verified | 764 | 776 | 765 | XXXX | XXXXXXX |  | US Citizen | Stated, Verified | 779 | 784 | 777 | Not Required | Not Required | XXXX | XXXX | XXXX | 4 | XXXX | XXXX | 8 | 8 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1688973 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | Investor DSCR: 30 - Year Fixed | XXXX | Debt Service Coverage | Yes | Yes | $2830.00 | $3000.00 |  | Leases | No |  | 0 |  |  | XXX | 2.06 | 2.06 | $1376.32 | XXX | 12 |  | Yes | $60000.00 |  | YES | $125.00 | $119.78 | $264.84 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 135 | 7 | US Citizen | US Citizen | 808 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXX |  | US Citizen | Stated, Verified | 779 | 800 | 798 | XXXXXX | XXXX |  | US Citizen | Stated, Verified | 792 | 808 | 823 | Not Required | Not Required | XXXX | XXXX | XXXX | 4 | XXXX | XXXX | 8 | 4 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1688974 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | Investor DSCR: 30 - Year Fixed | XXXX | Debt Service Coverage | Yes | Yes | $2225.00 | $2800.00 |  | Leases | No |  | 0 |  |  | XXX | 1.82 | 1.82 | $1225.70 | XXX | 12 |  | Yes | $53000.00 |  | YES | $125.00 | $103.81 | $245.75 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 158 | 7 | US Citizen | US Citizen | 808 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXX |  | US Citizen | Stated, Verified | 779 | 800 | 798 | XXXXXX | XXXX |  | US Citizen | Stated, Verified | 792 | 808 | 823 | Not Required | Not Required | XXXX | XXXX | XXXX | 4 | XXXX | XXXX | 8 | 4 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1688979 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | Investor DSCR: 30 - Year Fixed | XXXX | Debt Service Coverage | Yes | No | $0.00 | $2100.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | XXX | 1.04 | 1.04 | $2015.89 |  |  |  | Yes | $31250.00 |  | NO | $0.00 | $169.15 | $165.83 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 127 | 7 | US Citizen | US Citizen | 780 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXXXXX |  | US Citizen | Stated, Verified | 801 | 767 | 780 | XXXXXXX | XXXXXX |  | US Citizen | Stated, Verified | 709 | 687 | 724 | Not Required | Not Required | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 3 | 2 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1688983 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | Investor DSCR: 30 - Year Fixed | XXXX | Debt Service Coverage | Yes | Yes | $1675.00 | $1900.00 |  | Leases | No |  | 0 |  |  | XXX | 1.04 | 1.04 | $1616.52 | XXX | 12 |  | Yes | $20100.00 |  | NO | $0.00 | $182.24 | $63.33 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 58 | 7 | US Citizen | US Citizen | 780 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXXXXX |  | US Citizen | Stated, Verified | 801 | 767 | 780 | XXXXXX | XXXXXX |  | US Citizen | Stated, Verified | 709 | 687 | 724 | Not Required | Not Required | XXXX | XXXX | XXXX | 2 | XXXX | XXXX | 2 | 2 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1688991 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | Investor DSCR: 10-Year IO + 40-Year Fixed | XXXX | Debt Service Coverage | Yes | No | $0.00 | $2300.00 | FNMA 1007/216 | Short Term Rental Documents | Yes | AirDNA | 3308 |  |  | XXX | 1.32 | 1.32 | $2497.01 |  |  |  | Yes | $30000.00 |  | YES | $736.67 | $242.80 | $300.99 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 40 | 29 | US Citizen |  | 821 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 1 | 2 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1689000 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXX | XXX | XXX | Investor DSCR: 30 - Year Fixed | XXXX | Debt Service Coverage | Yes | No | $0.00 | $1525.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | XXX | 1.02 | 1.02 | $1056.80 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $187.74 | $65.66 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 19 | 7 | US Citizen |  | 780 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXXXXX |  | US Citizen | Stated, Verified | 801 | 767 | 780 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 2 | 1 | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |

---

## Exhibit 99.08

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.08**

![](ex9908001.jpg)

![](ex9908002.jpg)

**EXECUTIVE SUMMARY**

**EFMT 2026-NQM4**

**March 12, 2026**

**INFINITY INTERNATIONAL PROCESSING SERVICES, INC.**

0 \| Page

![](ex9908001.jpg)

**TABLE OF CONTENTS**

---

| | |
|:---|:---|
| Infinity Biography | 2.0 |
| Description of the due diligence performed | 3.0 |
| Summary of findings and conclusions of review | 9.0 |
| Tape Integrity Review Results Summary | 10.0 |
| Additional Loan Population Summary | 10.0 |

---

1 \| Page

![](ex9908001.jpg)

**INFINITY BIOGRAPHY**

Infinity IPS, Inc. is a privately held firm offering trusted financial products and services to capital markets participants. Founded in 2003, by a group of experienced mortgage due diligence executives, Infinity was started with a simple mission: To provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service. As a third-party reviewer, our independence, integrity, depth of expertise, and approach to due diligence and credit risk management provides clients the highest degree of hands-on oversight and participation when buying or selling pools, securitizing loans, or managing loans and securitizations over time.

Our rigorous, high touch approach to due diligence reviews provides all data necessary in the provision of an asset due diligence, risk retention, loss mitigation and forensic analysis services for all classes or mortgage products, consumer lending products, and more. Our mission is to provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service.

As a rating agency reviewed third-party due diligence provider, Infinity prides itself on meeting the standards of S&P, Fitch, Kroll, Moody's and DBRS Morningstar. Infinity is a privately-owned business and is headquartered in Rockville, MD with an underwriting facility in Tampa, FL.

2 \| Page

![](ex9908001.jpg)

**DESESCRIPTION OF THE DUE DILIGENCE PERFORMED**

**(1) Type of assets that were reviewed.**

Infinity IPS, Inc. ("Infinity") performed due diligence services as described below (the "Review"). All of these mortgage loans, which were originated by multiple parties, were purchased by Ellington Management Group, LLC ("Client") and were reviewed by Infinity on behalf of the Client. The mortgage loans were reviewed via files imaged and provided by the Client.

The Review population is comprised of eighteen (18) mortgage loans that were originally reviewed from January 2026 to February 2026.

**(2) Sample size of the assets reviewed.**

The mortgage loan review was broken down into the following review scopes:

▪ "Compliance
 Review" 0<sup>1
</sup>Mortgage Loan

▪ "Credit
 Review" 18
 Mortgage Loans

▪ "Property
 Review" 18
 Mortgage Loans

▪ "Data
 Integrity" 18
 Mortgage Loans

**(3) Determination of the sample size and computation.**

Infinity is not aware of the overall sample size for the securitization as the Review only covered the portion of the loans in the securitization reviewed by Infinity.

**(4) Quality or integrity of information or data about the assets: review and methodology.** 

For eighteen (18) mortgage loans, Infinity compared data fields on the data tape provided by Client to the data found in the actual file as captured by Infinity. This comparison, when data was available, included the following data fields:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Last Name | &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;Sale Price |
| &nbsp;&nbsp;First Name | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;IO Term | &nbsp;&nbsp;LTV |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Original Rate | &nbsp;&nbsp;PP Terms | &nbsp;&nbsp;CLTV |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;PP Months | &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Address | &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;Next Rate Change Date | &nbsp;&nbsp;Current P&I |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Margin | &nbsp;&nbsp;First Payment Change Date | &nbsp;&nbsp;Rate Index |
| &nbsp;&nbsp;State | &nbsp;&nbsp;1st Rate Change Date | &nbsp;&nbsp;Next Payment Change Date | &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;Prepay Months | &nbsp;&nbsp;Reset Frequency | &nbsp;&nbsp;Deferred Balance |
| &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Next Due Date | &nbsp;&nbsp;Rounding Code | &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Property Units | &nbsp;&nbsp;Look back Period | &nbsp;&nbsp;Borrower SSN |
| &nbsp;&nbsp;Credit Score | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Initial Roll Cap | &nbsp;&nbsp;Co-Borrower SSN |
| &nbsp;&nbsp;DTI | &nbsp;&nbsp;Mod Flag | &nbsp;&nbsp;Periodic Rate Cap |  |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;Mod Date | &nbsp;&nbsp;Life Rate Cap |  |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Current Rate | &nbsp;&nbsp;Life Rate Floor |  |

---

1 Eighteen (18) exempt loans were not subject to a compliance review and did not receive a compliance grade.

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&nbsp;&nbsp;&nbsp;&nbsp;

![](ex9908001.jpg)

**(5) Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.**

Infinity conducted a credit review for eighteen (18) mortgage loans. At that time, Infinity reviewed the asset origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to Infinity and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

The loan was originated to MoFin DSCR Loan Underwriting Guidelines - March 11 2025 (v3.12).pdf.

**Credit Application:** For the Credit Application, Infinity verified that the application: (i) was signed by all listed borrowers, (ii) was substantially filled out, (iii) contained all known borrower-owned properties on the Real Estate Owned section 2, and (iv) included the borrower's employment history

**Credit Report:** Infinity's review included confirming that a credit report, that met guideline requirements, was present for each borrower and that such borrower's credit profile adhered to guidelines. In order to make this determination, Infinity: (i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as appropriate, and (iv) gathered date required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

**Employment and Income:** Infinity determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable Appendix Q or ATR, was present in the mortgage loan file and where possible, wasn't fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, and (vi) IRS tax transcripts.

**Asset Review:** Infinity assessed whether the asset documentation required by the guidelines, and as applicable, Appendix Q or ATR, was present in the mortgage loan file. Utilizing this documentation, Infinity completed a review of the reserve calculation and any large deposits. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may have included: (i) verification-of-deposit ("VOD(s)"), (ii) depository account statements, (iii) stock or security account statements, (iv) gift funds, (v) escrow or earnest money deposits, and (vi) settlement statements or other evidence of conveyance and transfer of funds (if a sale of assets was involved).

**Hazard/Flood Insurance/Taxes:** A review of the insurance present on the mortgage loan was also performed by Infinity. During the course of this review, Infinity (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgage clause listed the lender's name and "its successors and assigns,", (iii) confirmed that the premium amount on both the hazard and flood insurance matched what was used in the debt-to-income ("DTI") calculations, (iv) reviewed the tax certificate to verify and compare monthly escrows used to calculate DTI matched and that taxes were current, (v) confirmed that the flood certification was for the correct borrower, property, lender and mortgage loan number and was a "Life of Loan" certification, and (vi) completed other property specific items including (a) for condominium properties, confirming that the blanket policy met the minimum amount of coverage in the guidelines and (b) for properties in a flood zone per the flood certification, confirming that flood insurance met guideline requirements and met the minimum required amount of coverage in the guidelines.

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![](ex9908001.jpg)

**Occupancy Review:** Infinity confirmed the property occupancy is consistent with the mortgage loan approval and borrowers' application disclosure based solely on information contained in the mortgage loan file and any fraud report obtained in connection with the mortgage loan.

**Guideline Review:** During the course of the review, Infinity confirmed the mortgage loan was originated in accordance with required guidelines by reviewing conformity of mortgage loan, transaction type, and borrower characteristics to stated guidelines. Mortgage characteristics examined included (i) DTI of the borrower, (ii) the LTV/TLTV/HTLTV, (iii) the credit score for each borrower, (iv) asset reserves of the borrower, (v) property type, (vi) property usage, and (vii) other property specific items including (a) for condominium or cooperative properties, assessing whether the condominium or cooperative project adheres to required guidelines.

**Fraud Review:** Infinity reviewed fraud report results in each mortgage loan file, to the extent present, in conjunction with source documents found in the mortgage loan file to assess the likelihood of any misrepresentations associated with the origination of the mortgage loan. If the mortgage loan file did not contain a fraud report and the counterparty did not produce one, Infinity conditioned the mortgage loan for the missing fraud report product.

If a report was present, Infinity reviewed the report for (i) any name variations for the borrowers, (ii) any social security number variations for the borrowers, (iii) any potential occupancy issues based on the borrower's address history, (iv) any noted employment issues, and (v) any additional consumers associated with the borrower's profile. If any findings were noted, Infinity confirmed that such findings and/or variations were addressed by the originator in the origination of the asset or that such red flag issues were fully addressed via mortgage loan documentation provided.

**Title Review:** Infinity's review included a verification of whether the appropriate vestee was on the title documentation (if a purchase, the seller; if a refinance, the borrower) and that the title commitment addressed issues such as assessments; covenants, conditions and restrictions; access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; environmental liens, and oil/gas leases.

**Additional Review of Mortgage Loan File:** Infinity also reviewed the closing documents to ensure that the mortgage loan file information is complete, accurate, and contains consistent documentation. Included in the portion of the review are items such as reviewing for (i) evidence of primary mortgage insurance, (ii) if the property is located in an area(s) listed as a FEMA disaster zone post origination, (iii) the presence of loan modification documents, and (iv) general conformity to Fannie Mae or Freddie Mac approved formats at the time of origination.

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![](ex9908001.jpg)

**Business Purpose/DSCR Scope:** Infinity conducted a business purpose/property focused Investor review for eighteen (18) mortgage loans with DSCR calculation. There were no mortgage loans that were classified as No Ratio loans with no DSCR calculation.

Each loan, reviewed under this scope, was reviewed for adherence to the relevant credit policy as indicated by the Client. During the course of this review, Infinity (i) reviewed the provided Note, Mortgage/DOT, and Guaranty Agreement(s) to confirm execution, adherence to the credit policy, and agreement with other Loan Approval documentation, (ii) examined appraisal reports, BPO's, and appraisal reviews to determine if the property type was consistent with underwritten property type and usage (such as evidence of either owner or tenant occupancy) and compared this information against other relevant information contained within applicable sections of the loan file to evaluate consistency, accuracy, and adherence to the credit policy, (iii) reviewed environmental reporting, Flood Certification, and Evidence of Insurance to confirm accuracy and adherence to credit policy requirements, (iv) reviewed credit reporting, VOR/VOM, Background Check(s), and any applicable Letter(s) of Explanation to confirm accuracy, adherence to credit policy requirements, and consistency with the Final Loan Approval worksheet, (v) reviewed HUD-1's, Title Search, Purchase Agreements, existing leases/rent rolls, and verification of funds with loan terms, and underwritten approved terms and amounts/LTV/LTC as well as adherence to credit policy requirements, (vi) reviewed LOI/LOE(s) for presence of un-qualified statement of business and occupancy intent, confirmation that the LOI/LOE cited address is consistent with the subject property address, and that signatory(s) are consistent with the identified borrower(s)/guarantor(s), (vii) reviewed Final Form 1003/Loan application to ensure complete execution that the subject property listed is consistent with the subject property, and that the listed residence for the Individual(s) is an address other than the subject property, (viii) confirmed, if applicable, business license(s) and P&L's are present, valid, and adhere to credit policy requirements, (ix) confirmed, if applicable, second mortgage documents are present, valid, align with approved terms amounts, and adhere to credit policy requirements, (x) reviewed final loan approval worksheets for accuracy, completion, documentation of approval for any exceptions, and evaluating such items for agreement/consistency with all other documentation contained in the review file (xi) reviewed the Certification of Business Purpose and Certification of Non-Owner Occupancy and Indemnity for presence of completed fields and verifying that the handwritten Primary Residence address differs from the subject property address and is signed/dated as required (xii) verified presence of a complete Certification of Non-Owner Occupancy and Indemnity document for each individual borrower/co-borrower/guarantor identified within the subject note/guaranty agreement, including the presence of either individual certifications or one certificate containing all required signatures, (xiii) compared the Primary Residence address(es) listed for consistency between the Final Form 1003/Loan application(s) and the Certification(s) of Non-Owner Occupancy and Indemnity, (xv) documented any non-approved credit policy exceptions and/or inconsistencies and reporting and/or marking such items for further dialogue, (xvi) gathered the components of the DSCR from source documentation provided in the loan file during the course of the review. Where applicable, Infinity sums per the guidelines the principal and interest payment as well as the tax, insurance and HOA payment to arrive at a monthly property expense. This number is used as the denominator to the monthly lease or estimated lease income as per the guidelines.

**(6) Value of collateral securing the assets: review and methodology.**

Infinity conducted a review of the value of the underlying collateral at the time of its initial review for eighteen (18) mortgage loans. For these eighteen (18) mortgage loans, Infinity reviewed the mortgage loans to ensure the value of the collateral securing the assets met applicable underwriting guidelines.

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![](ex9908001.jpg)

Infinity's review included a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. Infinity's review included verifying the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline

requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

With regard to the use of comparable properties, Infinity's review (i) captured the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and ensured that such comparable properties are within standard appraisal guidelines; (ii) confirmed the property value and square footage of the subject property was bracketed by comparable properties, (iii) verified that comparable properties used are similar in size, style, and location to the subject, and (iv) checked for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

Other aspects of Infinity's review included (i) verifying that the address matched the mortgage note, (ii) verifying that the appraisal and the policies and procedures with regard to appraisal, including the appropriate level of review, when originating the mortgage loan, were followed, (iii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying client of same (iv) confirming the appraisal report does not include any apparent environmental problems, (v) confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (vi) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (vii) confirming that the value product that was used as part of the origination decision was directly accessible to Infinity or if it was not directly accessible that another valuation product that was directly accessible to Infinity was ordered in accordance with the Client's specific valuation waterfall process.

If more than one valuation was provided, Infinity confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, Infinity created an exception and worked with the client on the next steps which may include the ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Infinity's review resulted in a variance of more than 10% then the client was notified of such variance and a second independent valuation product was ordered.

**(7) Compliance of the originator of the assets with federal, state and local laws and regulations: review and methodology.**

A compliance review was not performed because the loans are exempt.

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![](ex9908001.jpg)

Please be advised that Infinity did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Infinity are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Infinity is relying in reaching such findings.

Please be further advised that Infinity does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Infinity do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Infinity. Information contained in any Infinity report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Infinity to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Infinity are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Infinity does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Infinity.

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![](ex9908001.jpg)

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

The nationally recognized statistical rating organization ("NRSRO") criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed in Item 3 of the ABS Due Diligence 15E, Fitch Ratings, Inc. ("Fitch") and Kroll Bond Rating Agency, LLC ("KBRA").

**OVERALL RESULTS SUMMARY (18 MORTGAGE LOANS)**

Infinity's review to NRSRO grading requirements covers eighteen (18) mortgage loans. Infinity graded fifteen (15) mortgage loans as "A" and three (3) mortgage loans as "B".

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** |
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;15 | &nbsp;&nbsp;18 | &nbsp;&nbsp;15 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;3 | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;83.33% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;16.67% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;16.67% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** |
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;15 | &nbsp;&nbsp;18 | &nbsp;&nbsp;15 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;3 | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;83.33% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;16.67% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;16.67% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

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![](ex9908001.jpg)

**TAPE INTEGRITY REVIEW RESULTS SUMMARY (18 MORTGAGE LOANS)**

Of the eighteen (18) mortgage loans reviewed, 3 (16.67%) mortgage loans had tape discrepancies across three (3) unique data fields.

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# of Variances** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;18 | &nbsp;&nbsp;5.56% |
| &nbsp;&nbsp;Original Note Doc Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;18 | &nbsp;&nbsp;11.11% |
| &nbsp;&nbsp;Prepayment Penalty Term Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;18 | &nbsp;&nbsp;5.56% |

---

**ADDITIONAL LOAN POPULATION SUMMARY (18 MORTGAGE LOANS)**

\* Total may not sum to total due to rounding.

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original** <br> **Balance** | &nbsp;&nbsp;**% of Original** <br> **Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$3145988.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**18** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$3145988.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original** <br> **Balance** | &nbsp;&nbsp;**% of Original** <br> **Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$3145988.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**18** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$3145988.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original** <br> **Balance** | &nbsp;&nbsp;**% of Original** <br> **Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown | &nbsp;&nbsp;13 | &nbsp;&nbsp;72.22% | &nbsp;&nbsp;$2359738.00 | &nbsp;&nbsp;75.01% |
| &nbsp;&nbsp;Rate/Term Refinance – Borrower initiated | &nbsp;&nbsp;5 | &nbsp;&nbsp;27.78% | &nbsp;&nbsp;$786250.00 | &nbsp;&nbsp;24.99% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**18** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$3145988.00** | &nbsp;&nbsp;**100.00%** |

---

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Amortization Term** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original** <br> **Balance** | &nbsp;&nbsp;**% of Original** <br> **Balance** |
| &nbsp;&nbsp;240 Months | &nbsp;&nbsp;5 | &nbsp;&nbsp;27.78% | &nbsp;&nbsp;$1217000.00 | &nbsp;&nbsp;38.68% |
| &nbsp;&nbsp;360 Months | &nbsp;&nbsp;13 | &nbsp;&nbsp;72.22% | &nbsp;&nbsp;$1928988.00 | &nbsp;&nbsp;61.32% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**18** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$3145988.00** | &nbsp;&nbsp;**100.00%** |

---

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![](ex9908001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original** <br> **Balance** | &nbsp;&nbsp;**% of Original** <br> **Balance** |
| &nbsp;&nbsp;Investor | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$3145988.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**18** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$3145988.00** | &nbsp;&nbsp;**100.00%** |

---

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## Exhibit 99.08

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.08 - Schedule 1**

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| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Infinity Loan ID** | **Loan Number** | **Redacted ID** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **Final Overall Compliance Grade** | **DBRS INITIAL Compliance Grade** | **DBRS FINAL Compliance Grade** | **FITCH INITIAL Compliance Grade** | **FITCH FINAL Compliance Grade** | **KROLL INITIAL Compliance Grade** | **KROLL FINAL Compliance Grade** | **MOODY's INITIAL Compliance Grade** | **MOODY's FINAL Compliance Grade** | **S&P INITIAL Compliance Grade** | **S&P FINAL Compliance Grade** |
| xxx | xxx | 2127870 | xxx | Alabama | xxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 2127871 | xxx | Alabama | xxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 2125707 | xxx | Tennessee | xxx | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| xxx | xxx | 2125706 | xxx | Tennessee | xxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 2123188 | xxx | Washington | xxx | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D |
| xxx | xxx | 2125708 | xxx | West Virginia | xxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 2125710 | xxx | West Virginia | xxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 2125711 | xxx | West Virginia | xxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 2125712 | xxx | West Virginia | xxx | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| xxx | xxx | 2125709 | xxx | West Virginia | xxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 2127872 | xxx | Texas | xxx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 2127873 | xxx | Texas | xxx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 2127874 | xxx | Texas | xxx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 2127875 | xxx | Texas | xxx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 2132366 | xxx | South Carolina | xxx | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| xxx | xxx | 2127876 | xxx | Georgia | xxx | Investor | Refinance B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| xxx | xxx | 2132367 | xxx | North Carolina | xxx | Investor | Cash Out B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| xxx | xxx | 2132368 | xxx | North Carolina | xxx | Investor | Cash Out B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |

---

## Exhibit 99.08

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.08 - Schedule 2**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Infinity Loan ID** | **Loan Number** | **Redacted ID** | **Loan Number 2** | **Borrower Name** | **State** | **QM/ATR Status** | **Initial Overall Loan Grade** | **Final Overall Grade** | **Final Credit Grade** | **Final Property Grade** | **Final Compliance Grade** | **Material (level 3) TRID exception?** | **Material (level 3) Non-TRID exception?** | **Active Material Exceptions** | **Active Non Material Exceptions** | **Satisfied Exceptions** | **Waived Exceptions** | **Compensating Factors** | **Property Type** | **Note Date** | **LTV** | **CLTV** | **Occupancy** | **Purpose** | **Credit Score** | **Brwr 1 Yrs in Property** | **Brwr 1 Occupation** | **Brwr 1 Yrs on Job** | **Total Monthly Income** | **Mortgage History** | **Cash Out Amount** | **DTI** | **FTHB Flag** | **Loan Doc Type** | **Loan Status** | **Review Date** |
| xxx | xxx | 2127870 |  | xxx | Alabama | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xxx | xxx | xxx | Investor | Cash Out | 733 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xxx |  |  | DSCR | QC Complete | 02/04/2026 |
| xxx | xxx | 2127871 |  | xxx | Alabama | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xxx | xxx | xxx | Investor | Cash Out | 733 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xxx |  |  | DSCR | QC Complete | 02/04/2026 |
| xxx | xxx | 2125707 |  | xxx | Tennessee | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Application Missing - EV R<br> COMMENT: Missing signed application.<br>Resolved 01/20/2026: Application received. |  |  | Single Family | xxx | xxx | xxx | Investor | Cash Out | 711 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xxx |  |  | DSCR | QC Complete | 01/16/2026 |
| xxx | xxx | 2125706 |  | xxx | Tennessee | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xxx | xxx | xxx | Investor | Cash Out | 711 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xxx |  |  | DSCR | QC Complete | 01/16/2026 |
| xxx | xxx | 2123188 |  | xxx | Washington | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Subject or Comp Photos are missing or illegible - EV R<br> COMMENT: Rent comparable photos are missing from the loan package. Provide photos of all rent comparables listed in the appraisal.<br>01/06/2025 Resolved : The copy of updated appraisal with rental photos resolves the condition. |  |  | PUD | xxx | xxx | xxx | Investor | Cash Out | 766 |  | Co-Founder | 2 |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xxx |  |  | DSCR | QC Complete | 01/05/2026 |
| xxx | xxx | 2125708 |  | xxx | West Virginia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xxx | xxx | xxx | Investor | Cash Out | 738 |  | Owner | 5 |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xxx |  |  | DSCR | QC Complete | 01/16/2026 |
| xxx | xxx | 2125710 |  | xxx | West Virginia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xxx | xxx | xxx | Investor | Cash Out | 738 |  | Owner | 5 |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xxx |  |  | DSCR | QC Complete | 01/16/2026 |
| xxx | xxx | 2125711 |  | xxx | West Virginia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xxx | xxx | xxx | Investor | Cash Out | 738 |  | Owner | 5 |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xxx |  |  | DSCR | QC Complete | 01/16/2026 |
| xxx | xxx | 2125712 |  | xxx | West Virginia | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of proposed Lender's coverage on the Title Commitment is less than the loan amount. The document reflects coverage in the amount of xxx, however, the Note reflects a loan amount of xxx.<br>Resolved 01/22/2026 - The note with a loan amount of xxx has been received.<br>\*\*\* (CURED) Loan amount on Application differs from the Original Balance - EV R<br> COMMENT: Please provide an updated application, as the current application reflects a loan amount of xxx, while the Note indicates xxx.<br>Resolved 1/23/2026 - Received note document with loan amount xxx, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Please provide updated Underwriter Approval and DSCR & Reserves Calculation documents, as the current versions reflect a loan amount of xxx, while the Note indicates xxx.<br>Resolved 1/23/2026 - Received Note document with updated amount xxx, condition resolved. |  |  | Single Family | xxx | xxx | xxx | Investor | Cash Out | 738 |  | Owner | 5 |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xxx |  |  | DSCR | QC Complete | 01/16/2026 |
| xxx | xxx | 2125709 |  | xxx | West Virginia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xxx | xxx | xxx | Investor | Cash Out | 738 |  | Owner | 5 |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xxx |  |  | DSCR | QC Complete | 01/16/2026 |
| xxx | xxx | 2127872 |  | xxx | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xxx | xxx | xxx | Investor | Refinance | 731 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | DSCR | QC Complete | 02/06/2026 |
| xxx | xxx | 2127873 |  | xxx | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xxx | xxx | xxx | Investor | Refinance | 731 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | DSCR | QC Complete | 02/06/2026 |
| xxx | xxx | 2127874 |  | xxx | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xxx | xxx | xxx | Investor | Refinance | 731 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | DSCR | QC Complete | 02/04/2026 |
| xxx | xxx | 2127875 |  | xxx | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xxx | xxx | xxx | Investor | Refinance | 731 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | DSCR | QC Complete | 02/06/2026 |
| xxx | xxx | 2132366 |  | xxx | South Carolina | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide updated xxx UW Approval with change in borrower name from "xxx" to "xxx".<br>02/11/2026 Resolved: The copy of updated xxx UW Approval resolves the condition. |  |  | Single Family | xxx | xxx | xxx | Investor | Cash Out | 704 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xxx |  |  | DSCR | QC Complete | 02/09/2026 |
| xxx | xxx | 2127876 |  | xxx | Georgia | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Subject property is being operated as a short term rental. Appraisers short term rent estimate is xxx. Guideline requires 6x (xxx) rent loss but borrower's insurance policy covers xxx. xxx divided by 6 = xxx. If DSCR is calculated using xxx, DSCR still well above 1.25x (1.282). <br>A copy of an exception approval letter is available in the loan file. | FICO: 794 FICO exceeds the guideline requirement of 640.<br>Reserves: The 35 months of available reserves are more than the guideline requirement of 6 months.<br>LTV: xxx LTV is less than the guideline requirement of 75.00%. | Single Family | xxx | xxx | xxx | Investor | Refinance | 794 |  | CEO | 6 |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | DSCR | QC Complete | 01/30/2026 |
| xxx | xxx | 2132367 |  | xxx | North Carolina | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: One member, xxx, owns 33.33% of the entity but is not providing a personal guarantee.<br>A copy of an exception approval letter is available in the loan file. | DSCR: 1.32 DSCR exceeds the guideline requirement of 1.00.<br>FICO: 762 FICO exceeds the guideline requirement of 700.<br>Reserves: The 3344 months of available reserves are more than the guideline requirement of 6 months. | PUD | xxx | xxx | xxx | Investor | Cash Out | 762 |  | Owner | 15 |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xxx |  |  | DSCR | QC Complete | 02/04/2026 |
| xxx | xxx | 2132368 |  | xxx | North Carolina | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: One member, xxx, owns 33.33% of the entity but is not providing a personal guarantee<br>A copy of an exception approval letter is available in the loan file. | DSCR: 1.412 DSCR exceeds the guideline requirement of 0.80.<br>FICO: 762 FICO exceeds the guideline requirement of 680.<br>Reserves: The 3284 months of available reserves are more than the guideline requirement of 6 months. | PUD | xxx | xxx | xxx | Investor | Cash Out | 762 |  | Owner | 15 |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xxx |  |  | DSCR | QC Complete | 02/04/2026 |

---

## Exhibit 99.08

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.08 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Infinity Loan ID** | **Loan Number** | **Redacted ID** | **Loan Number 2** | **Borrower Last Name** | **Property State** | **Note Date** | **Loan Purpose** | **TPR QM ATR Status** | **Initial Overall Loan Grade** | **Final Overall Loan Grade** | **Exception Category** | **Exception Subcategory** | **Exception Code** | **Final Exception Status** | **Initial Exception Grade** | **Final Exception Grade** | **Exception** | **Exception Detail** | **Follow-up Comments (Exception Response)** | **Exception Conclusion Comments** | **Compensating Factors** | **Curable Status** | **Loan Status** | **Review Date** | **Cleared Date** | **Cured Date** | **Exception Date** |
| xxx | xxx | 2125707 |  | xxx | Tennessee | xxx | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | XXXX | Resolved | 3 | R | \* Application Missing (Lvl R) | Missing signed application.<br>Resolved 01/20/2026: Application received. | Resolved 01/20/2026: Application received. | Resolved 01/20/2026: Application received. |  |  | QC Complete | 01/16/2026 | 01/20/2026 | 01/20/2026 | 01/14/2026 |
| xxx | xxx | 2123188 |  | xxx | Washington | xxx | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Doc Issue | XXXX | Resolved | 3 | R | \* Subject or Comp Photos are missing or illegible (Lvl R) | Rent comparable photos are missing from the loan package. Provide photos of all rent comparables listed in the appraisal.<br>01/06/2025 Resolved : The copy of updated appraisal with rental photos resolves the condition. | 01/06/2025 Resolved : The copy of updated appraisal with rental photos resolves the condition. | 01/06/2025 Resolved : The copy of updated appraisal with rental photos resolves the condition. |  |  | QC Complete | 01/05/2026 | 01/06/2026 | 01/06/2026 | 01/05/2026 |
| xxx | xxx | 2125712 |  | xxx | West Virginia | xxx | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | XXXX | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Please provide updated Underwriter Approval and DSCR & Reserves Calculation documents, as the current versions reflect a loan amount of xxx, while the Note indicates xxx.<br>Resolved 1/23/2026 - Received Note document with updated amount xxx, condition resolved. | Resolved 1/23/2026 - Received Note document with updated amount xxx, condition resolved. | Resolved 1/23/2026 - Received Note document with updated amount xxx, condition resolved. |  |  | QC Complete | 01/16/2026 | 01/23/2026 | 01/23/2026 | 01/16/2026 |
| xxx | xxx | 2125712 |  | xxx | West Virginia | xxx | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | XXXX | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of proposed Lender's coverage on the Title Commitment is less than the loan amount. The document reflects coverage in the amount of xxx, however, the Note reflects a loan amount of xxx.<br>Resolved 01/22/2026 - The note with a loan amount of xxx has been received. | Resolved 01/22/2026 - The note with a loan amount of xxx has been received. | Resolved 01/22/2026 - The note with a loan amount of xxx has been received. |  |  | QC Complete | 01/16/2026 | 01/26/2026 | 01/26/2026 | 01/16/2026 |
| xxx | xxx | 2125712 |  | xxx | West Virginia | xxx | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | XXXX | Resolved | 3 | R | \* Loan amount on Application differs from the Original Balance (Lvl R) | Please provide an updated application, as the current application reflects a loan amount of xxx, while the Note indicates xxx.<br>Resolved 1/23/2026 - Received note document with loan amount xxx, condition resolved. | Resolved 1/23/2026 - Received note document with loan amount xxx, condition resolved. | Resolved 1/23/2026 - Received note document with loan amount xxx, condition resolved. |  |  | QC Complete | 01/16/2026 | 01/23/2026 | 01/23/2026 | 01/16/2026 |
| xxx | xxx | 2132366 |  | xxx | South Carolina | xxx | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | XXXX | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide updated xxx UW Approval with change in borrower name from "xxx" to "xxx".<br>02/11/2026 Resolved: The copy of updated xxx UW Approval resolves the condition. | 02/11/2026 Resolved: The copy of updated xxx UW Approval resolves the condition. | 02/11/2026 Resolved: The copy of updated xxx UW Approval resolves the condition. |  |  | QC Complete | 02/09/2026 | 02/11/2026 | 02/11/2026 | 02/09/2026 |
| xxx | xxx | 2127876 |  | xxx | Georgia | xxx | Refinance | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | XXXX | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Subject property is being operated as a short term rental. Appraisers short term rent estimate is xxx. Guideline requires 6x (xxx) rent loss but borrower's insurance policy covers xxx. xxx divided by 6 = xxx. If DSCR is calculated using xxx, DSCR still well above 1.25x (1.282). <br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 794 FICO exceeds the guideline requirement of 640.<br>Reserves: The 35 months of available reserves are more than the guideline requirement of 6 months.<br>LTV: xxx LTV is less than the guideline requirement of 75.00%. |  | QC Complete | 01/30/2026 |  |  | 01/30/2026 |
| xxx | xxx | 2132367 |  | xxx | North Carolina | xxx | Cash Out | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | XXXX | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | One member, xxx, owns 33.33% of the entity but is not providing a personal guarantee.<br>A copy of an exception approval letter is available in the loan file. |  |  | DSCR: 1.32 DSCR exceeds the guideline requirement of 1.00.<br>FICO: 762 FICO exceeds the guideline requirement of 700.<br>Reserves: The 3344 months of available reserves are more than the guideline requirement of 6 months. |  | QC Complete | 02/04/2026 |  |  | 02/04/2026 |
| xxx | xxx | 2132368 |  | xxx | North Carolina | xxx | Cash Out | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | XXXX | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | One member, xxx, owns 33.33% of the entity but is not providing a personal guarantee<br>A copy of an exception approval letter is available in the loan file. |  |  | DSCR: 1.412 DSCR exceeds the guideline requirement of 0.80.<br>FICO: 762 FICO exceeds the guideline requirement of 680.<br>Reserves: The 3284 months of available reserves are more than the guideline requirement of 6 months. |  | QC Complete | 02/04/2026 |  |  | 02/04/2026 |

---

## Exhibit 99.08

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.08 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **AGENCY DATA** | **AGENCY DATA** | **AGENCY DATA** |
| **Infinity Loan ID** | **Loan Number** | **Redacted ID** | **Loan Number 2** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for CLTV** | **Appraisal Date** | **Appraisal Type** | **AVM Value** | **Variance $** | **Variance %** | **AVM Company** | **AVM FSD Score** | **AVM Effective Date** | **Desk Value** | **Variance $** | **Variance %** | **Desk Company** | **Desk Report Date** | **BPO As-Is Value** | **Variance $** | **Variance %** | **BPO Company** | **BPO Inspection Date** | **FR Value** | **Variance $** | **Variance %** | **FR Company** | **FR Report Date** | **2nd Appraisal Value** | **Variance $** | **Variance %** | **2nd Appraisal Company** | **2nd Appraisal Date** | **Eligible for Rep/Warrant Relief** | **LCA Risk Score** | **CU Score** |
| xxx | xxx | 2127870 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xxx | xxx | 2127871 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xxx | xxx | 2125707 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xxx | xxx | 2125706 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xxx | xxx | 2123188 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xxx | xxx | 2125708 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xxx | xxx | 2125710 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xxx | xxx | 2125711 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xxx | xxx | 2125712 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xxx | xxx | 2125709 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xxx | xxx | 2127872 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xxx | xxx | 2127873 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xxx | xxx | 2127874 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xxx | xxx | 2127875 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xxx | xxx | 2132366 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xxx | xxx | 2127876 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xxx | xxx | 2132367 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xxx | xxx | 2132368 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |

---

## Exhibit 99.08

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.08 - Schedule 5**

**Data Compare**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Infinity Loan ID** | **Loan Number** | **Redacted ID** | **Loan Number 2** | **Field** | **Loan Value** | **Tape Value** | **Variance** | **Variance %** | **Comment** | **Tape Source** |
| xxx | xxx | 2125707 |  | Original Note Doc Date | xxx | xxx | 4 (Days) |  | The Note reflects Original Note Doc Date as xxx. | Initial |
| xxx | xxx | 2125707 |  | Prepayment Penalty Term Months | XXX | xxx | 11 | XXX | The Note dated xxx reflects Prepayment Penalty Term as 12. | Initial |
| xxx | xxx | 2123188 |  | Original Note Doc Date | xxx | xxx | -1 (Days) |  | The Note reflects Original Note Doc Date as xxx. | Initial |
| xxx | xxx | 2132366 |  | Borrower Last Name | xxx | xxx |  |  | The Note dated xxx reflects Borrower Last Name as xxx | Initial |

---

## Exhibit 99.08

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.08 - Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Infinity Loan ID** | **Loan Number** | **Redacted ID** | **Loan Number 2** | **GSE Eligible Flag** | **DU/LP Approval** | **CDFI Flag** | **Is CEMA (Yes/No)** | **Application Date** | **Guideline Name** | **TILA Status** | **MERS MIN Number** | **Qualifying FICO** | **Verification Safe Harbor Flag** | **Verification Safe Harbor Reference Document** | **ATR QM Total Points and Fees Audit** | **Default Interest Rate Flag** | **Default Interest Rate** | **Cross collateralized Loan Flag** | **Cross Collateralized Loan Release Provision** | **BK Discharge date** | **Bk Chapter** | **Foreclosure Date** | **Short Sale Date** | **Deed In Lieu Date** | **Months of Reserves for Subject Property** | **Project Classification: Warrantable/Non-Warrantable** | **Appraiser Name** | **Appraiser's License Number** | **Appraisal Company** | **Borrower Citizenship Indicator** | **Co Borrower Citizenship Indicator** | **Borrower Documentation Used to Determine Legal Residency** | **Co-Borrower Documentation Used to Determine Legal Residency** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Underwriting Program** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **WVOE Flag (Borr)** | **# of Months of Income validated WVOE (Borr)** | **WVOE Form** | **WVOE Flag (Co-Borr)** | **# of Months of Income validated WVOE (Co-Borr)** | **WVOE Form (Co-Borr)** | **Borr Years of Personal Tax Returns/Transcripts (1040's)** | **Co-Borr Years of Personal Tax Returns/Transcripts (1040's)** | **Borr Years of Business Tax Returns/Transcripts** | **Co-Borr Years of Business Tax Returns/Transcripts** | **Bank Statement Flag (Borr)** | **# of months Personal Bank statements (Borr)** | **# of months Business Bank statements (Borr)** | **Bank Statement Flag (Co-Borr)** | **# of months Personal Bank statements (Co-Borr)** | **# of months Business Bank statements (Co-Borr)** | **P&L Flag (Borr)** | **# of Months P&L (Borr)** | **Who Prepared the P&L** | **CPA Letter Flag (Borr)** | **# of Months CPA verified income (Borr)** | **P&L Flag (Co-Borr)** | **Who Prepared the P&L** | **# of Months P&L (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** | **Income Doc Summary** | **Calculated Front End Housing Ratio** | **Calculated Debt-to-Income Ratio** | **DSCR Flag** | **Number of Rental Units** | **Market Rent** | **Market Rent Source** | **Lease in Place** | **Actual in Place Rent** | **DSCR Calc based on Short Term Rental Income Flag** | **DSCR Calculation Method (at Orig)** | **Rental Income Used for DSCR** | **PITIA for DSCR** | **DSCR (at Origination)** | **Borrower Type** | **Loan closed in the name of an entity flag** | **Borrower Entity Name** | **Personal Guaranty Flag** | **Personal Guaranty Recourse to the Borrower Level** | **Guarantor Designation** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** |
| xxx | xxx | 2127870 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | 733 | No |  | Not Applicable | Yes | 16.88% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 38 | Not Applicable | xxx | xxx | xxx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | Yes | xxx | No | Form 1007 | xxx | xxx | 1.25144 | Limited Liability Corporation | Yes | xxx | Yes | Full Recourse | US Citizen | xxx | xxx | Not Applicable | Not Applicable |
| xxx | xxx | 2127871 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | 733 | No |  | Not Applicable | Yes | 16.88% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 58 | Not Applicable | xxx | xxx | xxx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | No | Not Applicable | No | Form 1007 | xxx | xxx | 1.35526 | Limited Liability Corporation | Yes | xxx | Yes | Full Recourse | US Citizen | xxx | xxx | Not Applicable | Not Applicable |
| xxx | xxx | 2125707 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | 711 | No |  | Not Applicable | Yes | 17.63% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 36 | Not Applicable | xxx | xxx | xxx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | No | Not Applicable | No | Form 1007 | xxx | xxx | 1.40904 | Limited Liability Corporation | Yes | xxx | Yes | Full Recourse | US Citizen | xxx | xxx | Not Applicable | Not Applicable |
| xxx | xxx | 2125706 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | 711 | No |  | Not Applicable | Yes | 17.63% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 81 | Not Applicable | xxx | xxx | xxx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | Yes | xxx | No | Form 1007 | xxx | xxx | 1.22706 | Limited Liability Corporation | Yes | xxx | Yes | Full Recourse | US Citizen | xxx | xxx | Not Applicable | Not Applicable |
| xxx | xxx | 2123188 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | 766 | No |  | Not Applicable | Yes | 17.25% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 227 | Not Applicable | xxx | xxx | xxx | US Citizen | US Citizen | Not Applicable | Not Applicable | Self-employed | Employed | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary]; B2: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | No | Not Applicable | No | Form 1007 | xxx | xxx | 1.04635 | Limited Liability Corporation | Yes | xxx | Yes | Full Recourse | US Citizen | xxx | xxx | xxx | xxx |
| xxx | xxx | 2125708 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | 738 | No |  | Not Applicable | Yes | 16.75% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 54 | Not Applicable | xxx | xxx | xxx | US Citizen | US Citizen | Not Applicable | Not Applicable | Self-employed | Self-employed | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary]; B2: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | Yes | xxx | No | Lease Agreement | xxx | xxx | 1.19277 | Limited Liability Corporation | Yes | xxx | Yes | Full Recourse | US Citizen | xxx | xxx | xxx | xxx |
| xxx | xxx | 2125710 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | 738 | No |  | Not Applicable | Yes | 16.75% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 50 | Not Applicable | xxx | xxx | xxx | US Citizen | US Citizen | Not Applicable | Not Applicable | Self-employed | Self-employed | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary]; B2: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | Yes | xxx | No | Lease agreement | xxx | xxx | 1.16568 | Limited Liability Corporation | Yes | xxx | Yes | Full Recourse | US Citizen | xxx | xxx | xxx | xxx |
| xxx | xxx | 2125711 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | 738 | No |  | Not Applicable | Yes | 16.75% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 67 | Not Applicable | xxx | xxx | xxx | US Citizen | US Citizen | Not Applicable | Not Applicable | Self-employed | Self-employed | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary]; B2: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | Yes | xxx | No | Form 1007 | xxx | xxx | 1.27289 | Limited Liability Corporation | Yes | xxx | Yes | Full Recourse | US Citizen | xxx | xxx | xxx | xxx |
| xxx | xxx | 2125712 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | 738 | No |  | Not Applicable | Yes | 16.75% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 51 | Not Applicable | xxx | xxx | xxx | US Citizen | US Citizen | Not Applicable | Not Applicable | Self-employed | Self-employed | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary]; B2: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | Yes | xxx | No | Form 1007 | xxx | xxx | 1.29848 | Limited Liability Corporation | Yes | xxx | Yes | Full Recourse | US Citizen | xxx | xxx | xxx | xxx |
| xxx | xxx | 2125709 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | 738 | No |  | Not Applicable | Yes | 16.75% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 21 | Not Applicable | xxx | xxx | xxx | US Citizen | US Citizen | Not Applicable | Not Applicable | Self-employed | Self-employed | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary]; B2: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | Yes | xxx | No | Form 1007 | xxx | xxx | 1.16674 | Limited Liability Corporation | Yes | xxx | Yes | Full Recourse | US Citizen | xxx | xxx | xxx | xxx |
| xxx | xxx | 2127872 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | 731 | No |  | Not Applicable | Yes | 17.00% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 63 | Not Applicable | xxx | xxx | xxx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | No | Not Applicable | No | Form 1007 | xxx | xxx | 1.16864 | Limited Liability Corporation | Yes | xxx | Yes | Full Recourse | US Citizen | xxx | xxx | Not Applicable | Not Applicable |
| xxx | xxx | 2127873 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | 731 | No |  | Not Applicable | Yes | 17.00% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 64 | Not Applicable | xxx | xxx | xxx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | No | Not Applicable | No | Form 1007 | xxx | xxx | 1.16086 | Limited Liability Corporation | Yes | xxx | Yes | Full Recourse | US Citizen | xxx | xxx | Not Applicable | Not Applicable |
| xxx | xxx | 2127874 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | 731 | No |  | Not Applicable | Yes | 17.00% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 64 | Not Applicable | xxx | xxx | xxx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | No | Not Applicable | No | Form 1007 | xxx | xxx | 1.16864 | Limited Liability Corporation | Yes | xxx | Yes | Full Recourse | US Citizen | xxx | xxx | Not Applicable | Not Applicable |
| xxx | xxx | 2127875 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | 731 | No |  | Not Applicable | Yes | 17.00% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 64 | Not Applicable | xxx | xxx | xxx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | No | Not Applicable | No | Form 1007 | xxx | xxx | 1.16864 | Limited Liability Corporation | Yes | xxx | Yes | Full Recourse | US Citizen | xxx | xxx | Not Applicable | Not Applicable |
| xxx | xxx | 2132366 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | 704 | No |  | Not Applicable | Yes | 17.38% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 53 | Not Applicable | xxx | xxx | xxx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | No | Not Applicable | No | Form 1007 | xxx | xxx | 1.36805 | Limited Liability Corporation | Yes | xxx | Yes | Full Recourse | US Citizen | xxx | xxx | Not Applicable | Not Applicable |
| xxx | xxx | 2127876 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | 794 | No |  | Not Applicable | Yes | 16.75% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 36 | Not Applicable | xxx | xxx | xxx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Self-employed | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | No | Not Applicable | Yes | STR - Appraisal | xxx | xxx | 3.04466 | Limited Liability Corporation | Yes | xxx | Yes | Full Recourse | US Citizen | xxx | xxx | Not Applicable | Not Applicable |
| xxx | xxx | 2132367 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | 762 | No |  | Not Applicable | Yes | 16.88% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 3345 | Not Applicable | xxx | xxx | xxx | US Citizen | US Citizen | Not Applicable | Not Applicable | Self-employed | Employed | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary]; B2: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | No | Not Applicable | No | Form 1007 | xxx | xxx | 1.31753 | Limited Liability Corporation | Yes | xxx | Yes | Full Recourse | US Citizen | xxx | xxx | xxx | xxx |
| xxx | xxx | 2132368 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | 762 | No |  | Not Applicable | Yes | 16.88% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 3285 | Not Applicable | xxx | xxx | xxx | US Citizen | US Citizen | Not Applicable | Not Applicable | Self-employed | Employed | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary]; B2: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | No | Not Applicable | No | Form 1007 | xxx | xxx | 1.41239 | Limited Liability Corporation | Yes | xxx | Yes | Full Recourse | US Citizen | xxx | xxx | xxx | xxx |

---

## Exhibit 99.09

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.09**

**EXECUTIVE SUMMARY**

EFMT 2026-NQM4

**Overview**

Maxwell Diligence Solutions, LLC ("MaxDiligence") performed certain due diligence services (the "Review") described below on newly originated residential mortgage loans acquired by Ellington Management Group, LLC. The Review was conducted from December 2025 to February 2026 on mortgage loans originated from November 2025 to February 2026.

The Review consisted of 100% of the population of 4 loans with an original aggregate loan balance of $4,567,700.00.

**Scope of Review**

**Credit Review**

MaxDiligence 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 included the following (collectively, the "Credit Review"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Review Initial & Final Application</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Check application for completeness. Determine whether the information in the preliminary Loan application, final application,
and all credit documents is consistent or reconciled.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate Social Security/Taxpayer Identification number is valid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Compare data on final form 1003 with the data from verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form is complete, signed, dated, on or before loan consummation date, and NMLS is complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Review AUS Decision and Approval Conditions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Underwriting decision is supported (manual underwrite credit conditions have been satisfied prior to closing the approved Loan
package)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validation of income calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validation of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation of debt-to-income ratio ("DTI") calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Validation of debt service coverage ratio ("DSCR") calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Validation of LTV calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Validation of payment shock calculations if applicable

![](ex9909001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. DSCR Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review of hazard coverage and verification that sufficient coverage was in place on subject and all premiums were included
in DSCR calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Mortgage insurance certificate was in file, if applicable, and coverage was sufficient, and premium was included in DSCR calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review of rental income and/or market rents and validation of DSCR calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies address information associated with the borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Occupancy is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Occupancy Red flags adequately addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Reverification of Borrower Original and Audit Credit Report</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate names, social security number(s), and addresses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. "Doing business as" or "also known as" names investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate credit inquiries within 90 days have been properly addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Acceptable credit history and credit score requirements in conformance with applicable guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Reviews Fraud Report to compare vs loan documentation:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies address information associated with the Borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Reveals any potential bankruptcy filings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Review of Borrower Employment, Income, and Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare for conflicting information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Complete forms and documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Evaluate history and stability of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review employment and income by analyzing income documents and comparing against re-verification
documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. W-2s and paystubs, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Transcripts (as applicable) support income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Tax returns and profit and loss statements, as applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Bank statements or other alternate income documents as required by the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Consistent/continuing employment, if applicable

![](ex9909001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Lease agreements and market rents, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm adequate funds to cover required down payment and closing costs and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sufficient funds were sourced and seasoned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Gift funds verified and met guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest money deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller contributions are within guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate all premiums are included in housing payment and any required upfront premium is paid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate no encumbrances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Review Closing Documents</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review security documents to ensure the Loan was closed in accordance with approval and with all required signatures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Closing disclosure or Settlement Statements

![](ex9909001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Qualified Mortgage / Ability-to-Repay Review</u> 

Loans with application dates after January 10, 2014 and prior to October 1, 2022 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z of the Truth in Lending Act, as amended. For covered loan transactions for which creditors receive an application on or after March 1, 2021, but prior to October 1, 2022, creditors had the option of complying with either (1) the original, DTI-based General QM loan definition or (2) the revised, price-based General QM loan definition. Effective October 1, 2022, loans with application dates on or after such date must comply with only the revised, price-based General QM Final Rule, as well as the ATR rule. For these Loans, MaxDiligence will (a) confirm that the creditor provided a QM designation and (b) review the Loan for the eight (8) underwriting factors set forth Section 12(E)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. MaxDiligence reviewed each mortgage loan to determine each mortgage loan's status under the
QM and ATR rule requirements and assign a QM and ATR designation as determined by MaxDiligence. MaxDiligence will note as a material
exception if its QM and ATR designations do not confirm to the originator's original QM and ATR designations. Additionally,
MaxDiligence will note if an originator's mortgage loan designation was not provided. MaxDiligence shall use the following
designations:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. MaxDiligence utilizes the following QM designations for applicable loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) QM Safe-Harbor

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) QM Rebuttal Presumption (including Higher-priced loans)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Temporary QM (for all applications prior to 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Non-QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. MaxDiligence utilizes the following ATR designations for applicable loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) ATR Compliant

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) ATR Fail

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) ATR Exempt

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. In order to determine the QM designation, as applicable, MaxDiligence will review each Loan for
the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Use of any risky mortgage loan features and terms (e.g. an interest only feature or negative amortization);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Do the "points and fees" exceed the applicable QM threshold;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Was monthly payment calculated appropriately;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Did the creditor considered and verify income or assets at or before consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Did the creditor appropriately considered debt obligations, alimony and child support;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. For mortgage loan applications prior to October 1, 2022, if the DTI ratio exceeded 43% (calculated
in accordance with Appendix Q to Regulation Z).

![](ex9909001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. For mortgage loan applications on and after October 1, 2022, for which the annual percentage rate
does not exceed the average prime offer rate for a comparable transaction as of the date the interest rate is set by the amounts
specified based on loan amount (adjusted annually on January 1 by the annual percentage change in the Consumer Price Index for
All Urban Consumers (CPI-U) that was reported on the preceding June 1) and the lien position of the proposed credit:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) For a first-lien covered transaction with a loan amount greater than or equal to $110,260 (indexed
for inflation), 2.25 or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) For a first-lien covered transaction with a loan amount greater than or equal to $66,156 (indexed
for inflation) but less than $110,260 (indexed for inflation), 3.5 or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) For a first-lien covered transaction with a loan amount less than $66,156 (indexed for inflation),
6.5 or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) For a first-lien covered transaction secured by a manufactured home with a loan amount less than
$110,260 (indexed for inflation), 6.5 or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) For a subordinate-lien covered transaction with a loan amount greater than or equal to $66,156
(indexed for inflation), 3.5 or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) For a subordinate-lien covered transaction with a loan amount less than $66,156 (indexed for inflation),
6.5 or more percentage points.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Upon completion of Section 12(B) above, if a Loan is determined to be a QM loan, MaxDiligence will
determine if the Loan is a Higher-Priced Mortgage Loan ("HPML") as defined by 12 CFR 1026.35:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If the Loan is HPML, then the Loan shall be designated as QM Rebuttal Presumption (Higher Priced);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If the Loan is not an HPML, then the Loan shall be designated as QM Safe Harbor.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Upon completion of Section 12(B) above, for each Loan that is designated as Non-QM, MaxDiligence
then will determine whether the mortgage loan complies with the ATR rule, in accordance with the Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. MaxDiligence will evaluate the Loan for ATR compliance based on the following eight factors and
will verify such information using reasonably reliable third-party records, at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income / Assets: Recalculate borrower(s)'s monthly gross income, and validate funds required
to close and required reserves, to confirm that the borrower has current or reasonably expected income or assets (other than the
value of the property that secures the Loan) that the borrower will rely on to repay the Loan. Review Loan documentation for required
level of income and asset verifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment: Review file documentation for required level of employment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly Mortgage Payment: Confirm that the correct program, qualifying rate, and terms were used
to calculate projected monthly mortgage payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous Loans: Ensure that all concurrent Loans were included in the DTI calculation, to properly
assess the ability to repay.

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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;v. Mortgage-Related Obligations: Validate that the subject Loan's monthly payment calculation
includes principle, interest, taxes, and insurance, as well as other costs related to the property such as homeowners' association
fees, private mortgage insurance, ground rental fees, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts / Obligations: Validate monthly recurring non-mortgage-related liabilities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI / Residual Income - Validate DTI or "residual income," based upon all mortgage
and non-mortgage obligations, calculated as a ratio of gross monthly income, based on documentation provided in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit History: Review credit report for credit history and required credit depth, including any
/ all inquiries, and determine a representative credit score from the credit report.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Upon completion of Section 12(E) above, MaxDiligence will assign an ATR designation.

**Property Review**

MaxDiligence performed a "Property Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Property Review</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. MaxDiligence'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. MaxDiligence's review will include verifying the appraisal report:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. On the appropriate appraisal 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;i. All elements of appraisal are present

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Ensure all applicable Loan documents match appraisal information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Property is acceptable collateral for Loan program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Completed by an appraiser that was actively licensed to perform the valuation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage
the lender per Title XI of FIRREA, or if the appraisal was performed for another lender, the file contains a transfer letter from
the original lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. The original appraisal report is made and signed prior to the final approval of the mortgage loan application; Any revisions,
if made known to MaxDiligence, to the original report are documented and dated completed and dated within the guideline's
restrictions,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The original appraisal is 'As is' or Inspection received including all inspections, licenses, and certificates
(including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and
with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

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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;viii. Determine whether the appraised value is supported at or within 10% variance based on a third-party valuation product. If a
third-party valuation product is in file but notes a variance above 10% or an inconclusive value, MaxDiligence recommended a BPO
or field review be ordered.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. With regard to the use of comparable properties, MaxDiligence's review will (a) reviewed the relative comparable data
(gross and net adjustments, sale dates and distance from subject property) and ensure that such comparable properties are within
standard appraisal guidelines; (b) confirmed the property value and square footage of the subject property was bracketed by comparable
properties, (c) verified that comparable properties used are similar in size, style, and location to the subject, and (d) checked
for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Other aspects of MaxDiligence's review included (i) verifying that the address matched the mortgage note, ((ii) if requested,
noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same,
(iii) confirming the appraisal report does not include any apparent environmental problems, (iv) confirming the appraisal notes
the current use of the property is legal or legal non-conforming (grandfathered), (v) reviewing pictures to ensure (a) that the
property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one
for which the valuation was ordered and that there are no negative external factors; and (vi) confirming that the value product
that was used as part of the origination decision conforms with rating agency requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If more than one valuation was provided, MaxDiligence will confirm consistency among the valuation products and if there are
discrepancies that could not be resolved, MaxDiligence created an exception, and work with the client on the next steps which may
include ordering of additional valuation products such as collateral desktop reviews, broker's price opinions, and full appraisals,
if needed. If the property valuation products included in MaxDiligence's review result in a variance of more than 10% then
the client was notified of such variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. MaxDiligence confirmed to the extent possible, that the appraiser and the appraisal made by such appraiser both satisfied the
requirements of Title XI of FIRREA. Specifically, MaxDiligence will review the appraisal for conformity to industry standards,
including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures
were provided and were accurate.

![](ex9909001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. In addition, MaxDiligence accessed the ASC database to verify that the appraiser, and if applicable the appraiser's supervisor,
were licensed and in good standing at the time the appraisal was completed.

**Compliance Review**

"Compliance Review" means that MaxDiligence reviewed each Loan to determine, as applicable and subject to the limitations below, whether the Loan complied with the applicable Federal, State, and local regulatory requirements, each as amended. A Compliance Review shall not apply to business purpose loans.

The below Compliance Review is applicable to Loans with an application date on or after October 3, 2015, which are subject to the TILA/RESPA Integrated Disclosure Rule ("<u>TRID</u>"). With regard to TRID testing, MaxDiligence implemented the TRID scope of review as detailed in (i) Section III -Regulatory Compliance of the SFA RMBS TRID Grid 4.0 Compliance Review Scope published by the Structured Finance Association (formerly SFIG) (the "SFA RMBS Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. On an ongoing basis, MaxDiligence reviews updated interpretations of TRID through informal guidance provided by the Consumer Financial Protection Bureau ("CFPB"), such CFPB guidance may cause changes in the review scope and severity of TRID related exceptions, including applicable cures. While MaxDiligence 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Loan Estimates ("LEs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Reviewed the initial LE and confirmed (i) the correct form was used; (ii) all sections of the Initial
LE are completed; and (iii) the initial LE accurately reflects the information provided to MaxDiligence.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If there is a revised LE, confirmed (i) that there is a "valid reason" for the revised
LE; and (ii) that the revised LE was issued within three (3) days of the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Determined which LE in the file is the "final binding" LE for the purpose of Tolerance
Testing. A revised LE that is issued after the CD, or that does not state a valid reason will not be used for the purposes of Tolerance
Testing. All revised LEs issued to the consumer will be reviewed for accuracy of terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Confirmed initial LE was delivered within three (3) business days from the application date, and
at least seven (7) business days prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Confirmed revised LE was delivered within three (3) business days from date of the "valid
reason" giving rise to the Revised LE, and at least four (4) business days prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Confirmed that certain sections of each LE determined to carry assignee liability were accurately
completed and that information was reflected in the appropriate locations

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Closing Disclosures ("CDs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Reviewed the CD and confirmed (i) the correct form was used; (ii) all sections of the CD are completed;
and (iii) the CD accurately reflected the information provided to MaxDiligence.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If a subsequent CD is issued, confirmed (i) that there was a valid reason for the change; (ii)
that the CD was issued within three (3) days of the change; and (iii) whether the reason for the change requires a new 3-day waiting
period prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirmed initial CD, and any subsequent CD with material changes (i.e. changes that require a
new waiting period), was received at least three (3) business days prior to the consummation date. 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 sixty (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 sixty (60) days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Federal Truth in Lending Act</u> ("TILA"), as implemented by Regulation Z, 12 C.F.R.
Part 1026, as set forth below:

Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Failure to provide the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. errors in the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. failure to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. failure to provide the three (3) business days rescission period; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. any material disclosure violation on a rescindable loan that gives rise to the right of rescission
under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total
of payments, the payment schedule, the HOEPA disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Tolerance Testing</u>. Compared the fees disclosed in the final binding LE to those in the final
CD, and confirmed that final CD fees are within the permitted tolerances. Confirmed the total of payments are considered accurate
as defined by Regulation Z. Confirmed finance charge tolerances are correct.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Subsequent Changes</u>. Reviewed the file to determine (i) whether there is evidence that certain
changes or errors (per the regulation) were discovered subsequent to closing, (ii) and whether the Loan originator followed the
prescribed cure. Test for evidence such as a copy of the refund check, or a corrected, post-consummation CD (" <u>PCCD</u> "),
and (iii) 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 sixty (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 sixty (60) days after consummation.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Loan Toolkit (§1026.19)</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Confirmed the presence of Your Home Loan Toolkit in the mortgage loan file or that the mortgage
loan file contains documentary evidence that the disclosure was provided to the borrower; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Confirmed Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business
days after receipt of application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>TILA</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>High-cost Mortgage (§§1026.31, 32 and 33):</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;i. Points and fees threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. APR threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment penalty test; 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;iv. Compliance with the disclosure requirements, limitation on terms and prohibited acts or practices
in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <u>Higher-priced Mortgage Loan (§1026.35):</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;i. APR threshold test; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator
Compensation and Steering (§1026.36):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Reviewed relevant documentation to determine if compensation to a Loan Originator was based on
a term of the transaction;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Reviewed relevant document to determine if there was dual compensation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Reviewed the presence of the mortgage loan option disclosure and to determine if the Steering Safe
Harbor provisions were satisfied.

● Note: Where available, MaxDiligence reviewed the relevant documents in the mortgage loan file and, as necessary, attempted to obtain the mortgage loan originator compensation agreement and/or governing policies and procedures of the mortgage loan originator. In the absence of the mortgage loan originator compensation agreement and/or governing policies and procedures, MaxDiligence's review was limited to formal general statements of entity compliance provided by the mortgage loan originator, if any. These statements, for example, were in the form of a letter signed by the seller correspondent/mortgage loan originator or representations in the mortgage loan purchase agreement between the Client and seller correspondent;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. <u>Homeownership counseling (§1026.36):</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;i. Determined if the creditor obtained proof of homeownership counseling in connection with a mortgage
loan to a first-time homebuyer that contains a negative amortization feature.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. <u>Mandatory Arbitration Clauses (§1026.36):</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;i. Determined if the terms of the mortgage loan require arbitration or any other non-judicial procedure
to resolve any controversy or settle any claims arising out of the transaction.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determined if the creditor financed, directly or indirectly, any premiums or fees for credit insurance
in jurisdictions where it is prohibited.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Reviewed for presence of mortgage loan originator organization and individual mortgage loan originator
name and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract, security instrument, Loan Estimate
and Closing Disclosure; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verified the data against the NMLSR database, as available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>RESPA</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirmed the presence of the Servicing Disclosure Statement form in the mortgage loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verified the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business
days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirmed the presence of the Your Home Loan Toolkit/Special Information Booklet in the mortgage
loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirmed the Your Home Loan Toolkit /Special Information Booklet was provided within three (3)
business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Confirmed the presence of the CHARM booklet when applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Confirmed that the CHARM booklet was issued within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Confirmed the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file
in the event the lender has affiliated business arrangements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Confirmed the Affiliated Business Arrangement Disclosure was provided no later than three (3) business
days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. Confirmed the Affiliated Business Arrangement Disclosure is executed;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Confirmed the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and
proper timing;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. Confirmed that the creditor provided the borrower a list of homeownership counselling organizations
within three (3) business days of application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xii. Confirmed that the list of homeownership counselling organizations was obtained no earlier than
30 days prior to when the list was provided to the mortgage loan applicant.

![](ex9909001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>ECOA</u>: The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002,
as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing and content of the right to receive copy of appraisal disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Charging of a fee for a copy of the appraisal or other written valuation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Timing of creditor providing a copy of each appraisal or other written valuation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. iv) With respect to a borrower that has waived the three (3) Business Day disclosure requirement,
confirm that (a) the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation;
and (b) that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Other Provisions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Texas:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution
and associated regulations;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Fed/State/Local Predatory Lending:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The disclosure requirements and prohibitions of state, county and municipal laws and ordinances
with respect to "high-cost" mortgage loans, "covered" mortgage loans, "higher-priced" mortgage
loans, "home" mortgage loans or any other similarly designated mortgage loan as defined under such authorities, or
subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Prepay Penalties and Late Fees:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal and state specific late charge and prepayment penalty provisions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Exclusions</u>. MaxDiligence did not test:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Loan types that are excluded from compliance with TRID.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Technical formatting of disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Other Post-consummation disclosures, including Escrow Closing Notice; and Mortgage servicing transfer
and partial payment notices.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. For Loans made by an FDIC-supervised institution or servicer, extended or renewed on or after January
1, 2016, whether prohibited fees were collected prior to the initial LE being issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Whether any fee is a "bona fide" fee for third-party services

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Whether the loans comply with all federal, state or local laws, constitutional provisions, regulations
or ordinances that are not expressly enumerated above.

![](ex9909001.jpg)

**Summary of Results**

**OVERALL RESULTS SUMMARY** 

After giving consideration to the grading criteria of the relevant NRSROs, 100.00% of the loans received an Overall "A" grade.

**Final Loan Grades**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** |

---

![](ex9909001.jpg)

**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 Credit Grade of "A", a Compliance Grade of "B", and a Property Grade of "A" would receive an overall Loan Grade of "B").

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception Type | &nbsp;&nbsp;Exception Level Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Cash reserves less than required by guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Gift Letter - No Evidence for Transfer of Funds | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Liabilities - REO | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions*** | &nbsp;&nbsp;***7*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Doc - 3rd Party Valuation Product/Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Value - Value is supported within -10% of original appraisal amount | &nbsp;&nbsp;3 |
|  |  | &nbsp;&nbsp;***Total Property Grade (A) Exceptions*** | &nbsp;&nbsp;***5*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Doc - Homeownership Counseling Disclosure/Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;The Deed of Trust is Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance (A) Exceptions*** | &nbsp;&nbsp;***4*** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

As part of the Credit, Property and Compliance Reviews, MaxDiligence captured data from the source documents and compared it to a data tape provided by Client. MaxDiligence provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by MaxDiligence during the diligence process.

Of the 4 mortgage loans reviewed, 0 unique mortgage loan (by loan count) had a total of 0 different tape discrepancies across the data fields (some mortgage loans may have had more than one). A blank or zero value on the data tape when an actual value was captured by MaxDiligence was not treated as a data variance.

![](ex9909001.jpg)

**Event Grade Definitions**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Final Loan Grade** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation Guidelines |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and substantially meets published guidelines. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Loan is missing documentation to perform a sufficient review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets the published guidelines, but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review, or the credit file was not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;**Compliance Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan violates one material law or regulation. The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

---

![](ex9909001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Property Event Grades** | &nbsp;&nbsp;**Property Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by the AVM or there are other supporting documents in the originators loan file package (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal by the AVM and there are no other valuation support documents in the loan file provided by the Seller. The valuation methodology substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.09

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.09 - Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Last Name** | **Property State** | **Occupancy** | **Purpose** | **Originator QM Status** | **TPR QM Status** | **Exception ID** | **Exception Number** | **Exception Date** | **Exception Type** | **Exception Subcategory** | **Exception** | **Exception Remedy** | **Rebuttal** | **TPR Response** | **Compensating Factors** | **Status Update Date** | **Finding Status** | **Initial Exception Grade** | **Final Exception Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| 2123469 |  |  | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 1 of 3 | 2026-01-11 08:06 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2026-01-11 08:06 | Cleared | 1 | 1 | 1 | 1 |
| 2123469 |  |  | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 2 of 3 | 2026-01-11 08:06 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2026-01-11 08:06 | Cleared | 1 | 1 | 1 | 1 |
| 2123469 |  |  | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 3 of 3 | 2026-01-11 08:06 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2026-01-11 08:06 | Cleared | 1 | 1 | 1 | 1 |
| 2127577 |  |  | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 1 of 6 | 2026-01-07 19:10 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2026-01-07 19:10 | Cleared | 1 | 1 | 4 | 1 |
| 2127577 |  |  | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 2 of 6 | 2026-01-07 21:42 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing Verification of Rent (VOR). A 12-month rental history is required, reflecting 0x30. <br>|  | Document Uploaded. VOR - paid from business - 01/23/2026<br>| Evidence of 15 payments made on time was provided. Condition resolved. - 01/23/2026<br>Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - 01/23/2026<br>|  | 2026-01-23 18:56 | Resolved | 3 | 1 | 4 | 1 |
| 2127577 |  |  | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 3 of 6 | 2026-01-07 22:01 | Credit | Cash reserves less than required by guidelines | Total Cash reserves of '$XXXXXX' are less than $0. Guides require 12 months requires. Borrower is short of $XXXXXX in cash reserves. Total Cash reserves of 'XXXXXX' are less than $0. Borrower is short $XXXXXX in funds to close/reserves. The Final CD dated XXXXXX shows no credit for the $XXXXXX in funds wired to title. <br>|  | See PCCD attached to other suspense condition.<br> - 01/23/2026 <br> Document Uploaded. See transaction history with additional funds, updated 1008, 1003 and verification XXXXXX was paid. - 01/23/2026 | Gift Letter and PCCD provided. Condition resolved. - 01/26/2026<br>Total Cash reserves are greater than $0. - 01/26/2026<br>|  | 2026-01-26 18:47 | Resolved | 3 | 1 | 4 | 1 |
| 2127577 |  |  | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 4 of 6 | 2026-01-07 22:25 | Property | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. Missing Doc - 3rd Party Valuation Product/Missing <br>|  | Document Uploaded. - 01/20/2026<br>| 2nd Appraisal required by guidelines was provided. Condition resolved. - 01/21/2026<br>|  | 2026-01-21 15:49 | Resolved | 3 | 1 | 4 | 1 |
| 2127577 |  |  | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 5 of 6 | 2026-01-09 20:43 | Credit | Gift Letter - No Evidence for Transfer of Funds | No evidence of the transfer of gift funds from the donor to the borrower was located in the file. Missing documentation showing gift being transfer <br>|  | Document Uploaded. See PCCD attached. - 01/23/2026 <br>Document Uploaded. See evidence of transfer of gift funds directly to title. - 01/23/2026<br>| Gift Letter and PCCD provided. Condition resolved. - 01/26/2026<br> Condition upheld. Borrower is short $XXXXXX in funds to close/reserves. The Final CD dated XXXXXX shows no credit for the $XXXXXX in funds wired to title. - 01/23/2026 |  | 2026-01-26 18:47 | Resolved | 3 | 1 | 4 | 1 |
| 2127577 |  |  | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 6 of 6 | 2026-01-09 21:02 | Property | Appraisal is Missing | The file is missing the appraisal. <br>|  | Document Uploaded. - 01/20/2026<br>| Full Appraisal was provided. Condition resolved. - 01/21/2026<br>Appraisal is Present or is Waived - 01/21/2026<br>|  | 2026-01-21 15:48 | Resolved | 4 | 1 | 4 | 1 |
| 2132365 |  |  | XXXXXX | XXXXXX | XXXXXX | TX | Primary Residence | Purchase | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXXXX | 1 of 4 | 2026-02-11 07:19 | Credit | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). • Gap credit: A gap credit report is required 10 days before closing or anytime after closing <br>|  | Document Uploaded. Credit Refresh - 02/13/2026<br>| GAP CR provided. Condition resolved. - 02/16/2026<br>|  | 2026-02-16 18:19 | Resolved | 3 | 1 | 3 | 1 |
| 2132365 |  |  | XXXXXX | XXXXXX | XXXXXX | TX | Primary Residence | Purchase | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXXXX | 2 of 4 | 2026-02-11 08:55 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2026-02-11 08:55 | Cleared | 1 | 1 | 3 | 1 |
| 2132365 |  |  | XXXXXX | XXXXXX | XXXXXX | TX | Primary Residence | Purchase | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXXXX | 3 of 4 | 2026-02-11 15:41 | Compliance | Missing Doc - Homeownership Counseling Disclosure/Missing | Homeownership Counseling Disclosure is missing. I was unable to locate a copy of the Homeownership Counseling Disclosure. <br>|  | Document Uploaded. Homeownership Counseling Disclosure - 02/12/2026<br>| Homeownership Counseling Disclosure was provided. - 02/13/2026<br>Received HCD - 02/13/2026<br>|  | 2026-02-13 16:59 | Resolved | 3 | 1 | 3 | 1 |
| 2132365 |  |  | XXXXXX | XXXXXX | XXXXXX | TX | Primary Residence | Purchase | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXXXX | 4 of 4 | 2026-02-12 14:46 | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify debts associated with all other properties. Missing mortgage statement to verify payment escrowed (if not escrow provide HOI & tax documentation) for property XXXXXX. Missing LOE stating property has no HOA (if applicable, provide statement). <br>|  | Document Uploaded. - 02/14/2026 <br> Document Uploaded. See attached Inquiry. Borrower does not own property, it is XXXX house and on the divorce paperwork. - 02/12/2026 | Docs provided. Condition resolved. - 02/16/2026<br>|  | 2026-02-16 18:21 | Resolved | 3 | 1 | 3 | 1 |
| 2116205 |  |  | XXXXXX | XXXXXX | XXXXXX | PA | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 1 of 3 | 2025-12-08 17:54 | Compliance | The Deed of Trust is Missing | The Deed of Trust is missing. <br>|  | Document Uploaded. - 12/22/2025<br>| Received signed and notarized DOT - 12/22/2025<br>The Deed of Trust has been provided. - 12/22/2025<br>|  | 2025-12-22 13:47 | Resolved | 4 | 1 | 4 | 1 |
| 2116205 |  |  | XXXXXX | XXXXXX | XXXXXX | PA | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 2 of 3 | 2025-12-10 15:15 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-12-10 15:15 | Cleared | 1 | 1 | 4 | 1 |
| 2116205 |  |  | XXXXXX | XXXXXX | XXXXXX | PA | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 3 of 3 | 2025-12-10 15:15 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-12-10 15:15 | Cleared | 1 | 1 | 4 | 1 |

---

## Exhibit 99.09

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.09 - Schedule 2**

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Initial Loan Rating** | **Final Loan Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Valuation Rating** | **Final Valuation Rating** |
| 2123469 |  |  | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 2127577 |  |  | XXXXXX | XXXXXX | 4 | 1 | 3 | 1 | 1 | 1 | 4 | 1 D A C |
| 2132365 |  |  | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| 2116205 |  |  | XXXXXX | XXXXXX | 4 | 1 | 1 | 1 | 4 | 1 | 1 | 1 D A |

---

## Exhibit 99.09

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.09 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 2123469 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | 88.04 | 88.04 | XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0.0 | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2127577 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | 64.78 | 64.78 |  |  |  |  |  |  |  |  | XXXXXX | 0.0 | .0000 | XXXXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2132365 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | 85.0 | 85.0 | XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXXXX |
| 2116205 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | 61.88 | 61.88 | XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0.0 | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXXX |

---

## Exhibit 99.09

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.09 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower1 SSN** | **Borrower2 SSN** | **Borrower 3 SSN** | **Borrower 4 SSN** | **First Time Homebuyer** | **Number of Units** | **Maturity Date** | **Note Type** | **Loan Type** | **Refinance Purpose** | **Borrower 1 Mailing Street Address** | **Borrower 1 Mailing City** | **Borrower 1 Mailing State** | **Borrower 1 Mailing Zip Code** | **Borrower 2 Mailing Street Address** | **Borrower 2 Mailing City** | **Borrower 2 Mailing State** | **Borrower 2 Mailing Zip Code** | **Borrower 3 Mailing Street** | **Borrower 3 Mailing City** | **Borrower 3 Mailing State** | **Borrower 3 Mailing Zip** | **Borrower 4 Mailing Street** | **Borrower 4 Mailing City** | **Borrower 4 Mailing Zip** | **Borrower 4 Mailing State** | **Prepay Penalty Calculation Description** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 1 Employer** | **Borrower 1 Position** | **Borrower 2 Employer** | **Borrower 2 Position** | **Borrower 3 Employer** | **Borrower 3 Position** | **Borrower 4 Employer** | **Borrower 4 Position** | **First Time Investor** | **Borrower 1 Years in Industry** | **Borrower 2 Years in Industry** | **Borrower 3 Years in Industry** | **Borrower 4 Years in Industry** | **Borrower 1 ITIN** | **Borrower 2 ITIN** | **Borrower 3 ITIN** | **Borrower 4 ITIN** | **Original Appraiser License Number** | **Original Appraiser Name** | **Property Location** |
| 2123469 |  |  | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1790.00 | XXXXXX | 6.250% | Manual Underwriting | Manual Underwriting | No | 7.722% |  | 7.625% | 7.625% | XXXXXX | No |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A |  | CA | XXXXXX |  | Monthly | 41.43% | 41.43% | 41.43% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | No | No | 0 | No | Yes | Yes | 2 | 12 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | Yes | 24 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Personal Bank Statements Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXXXX | XXXXXX | CA | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 7.3 | XXXXXX | 7.3 | No | 88.04 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | Conventional | NA | XXXXXX | XXXXXX | CA | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  | N/A - Not investment property | 10 |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX | Suburban |
| 2127577 |  |  | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1790.00 | XXXXXX | 6.270% | Manual Underwriting | Manual Underwriting | No | 6.625% |  | 6.625% | 6.625% | XXXXXX | No |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A |  |  | XXXXXX |  |  | 13.37% | 13.25% | 13.25% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | Yes | Borrower - Other - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXXXX | XXXXXX | CA | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 681 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other |  | CA | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 71.2 | XXXXXX | 71.2 | No | 64.78 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | true | 1 | XXXXXX | Fixed | Conventional | NA | XXXXXX | XXXXXX | CA | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  | N/A - Not investment property | 15 |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX | Suburban |
| 2132365 |  |  | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 3240.64 | XXXXXX | 6.250% | Manual Underwriting | Manual Underwriting | No | 8.079% |  | 7.875% | 7.875% | XXXXXX | No |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A | XXXXXX | TX | XXXXXX |  | Annually | 13.43% | 13.43% | 13.43% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025"] - 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXXXX | XXXXXX | TX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 681 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  | $0.00 | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Standard Driver's License - Not for federal use |  | TX | United States | XXXXXX |  |  | I-151 Permanent Resident Card |  | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 6.3 | XXXXXX | 6.3 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | Conventional | NA | XXXXXX | XXXXXX | TX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  | N/A - Not investment property | 4 |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX | Suburban |
| 2116205 |  |  | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1821.00 | XXXXXX | 5.560% | Manual Underwriting | Manual Underwriting | No | 6.741% |  | 6.625% | 6.625% | XXXXXX | No |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A |  |  | XXXXXX |  |  | 29.66% | 26.61% | 26.61% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXXXX | XXXXXX | PA | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | PA | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 7.8 | XXXXXX | 7.8 | No | 61.88 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | Conventional | No Cash Out - Borrower Initiated | XXXXXX | XXXXXX | CA | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  | N/A - Not investment property |  |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX | Suburban |

---

## Exhibit 99.10

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.10 - Schedule 6**

---

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXX |  | 2086335 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 53.33 | 53.33 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX |
| XXX |  | 2117068 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXX |  | 2120682 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 75.0 | 75.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXX |  | 2117063 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 85.0 | 85.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX |  | 2117061 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 70.0 | 70.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXX |  | 2117071 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 90.0 | 90.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXX |  | 2117064 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 90.0 | 90.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXX |  | 2120678 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 90.0 | 90.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXX |  | 2120681 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 75.0 | 75.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
| XXX |  | 2120676 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 42.23 | 42.23 | $XXXXXX | $XXXXXX | -.1333 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | $XXXXXXX | -.1333 | XXXXXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XX/XX/XXXX |
| XXX |  | 2123067 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 90.0 | 90.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXX |  | 2123068 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 90.0 | 90.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXX |  | 2123065 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | XXXX | XX/XX/XXXX | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX |  | 2123069 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 70.0 | 70.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
| XXX |  | 2126832 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 70.0 | 70.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
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| XXX |  | 2128048 | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 60.0 | 60.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
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| XXX |  | 2128052 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 75.0 | 75.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
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| XXX |  | 2132462 | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 75.0 | 75.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
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| XXX |  | 2132464 | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 70.0 | 70.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX |  | 2132466 | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 60.0 | 60.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX |  | 2132469 | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 75.0 | 75.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | 2132468 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 70.0 | 70.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.10

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.10 - Schedule 7**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX |  | 2120682 | Qualifying FICO | creditLiabilitiesPage | 772 | 751 | Audit value based on lender qualifying requirements. |
| XXXX |  | 2120682 | Prepayment Penalty Total Term | notePage | 0 | 3 Year | Audit value pulled from documents located in the loan file. |
| XXXX |  | 2120682 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.27 | 15.28 | Audit DTI difference is due to liabilities based on documents in loan file.  |
| XXXX |  | 2117063 | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value Pulled From Appraisal. |
| XXXX |  | 2117061 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 2.93 | 3.09 | Audit reflects difference in subject homeowner's insurance per documents in the loan file. |
| XXXX |  | 2117071 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 18.44 | 18.51 | 1008 DTI 18.507%. DTI difference is less than 1% and within lender tolerance. |
| XXXX |  | 2117064 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 29.31 | 29.07 | Audit DTI difference is due to liabilities based on documents in loan file.  |
| XXXX |  | 2123067 | Property Type | propertyValuationPage | PUD | Single Family Detached | Audit Value Pulled From Appraisal. |
| XXXX |  | 2123068 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.3 | 42.32 | Audit liabilities were based on the most recent credit report in the loan file dated XX/XX/XXXX. |
| XXXX |  | 2123065 | Property Type | propertyValuationPage | PUD | Single Family Detached | Audit Value Pulled From Appraisal. |
| XXXX |  | 2123065 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.35 | 31.76 | Audit DTI difference is due to liabilities based on documents in loan file.  |
| XXXX |  | 2123069 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.36 | 44.04 | Audit liabilities were based on documents in the loan file. |
| XXXX |  | 2126832 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.88 | 38.40 | Audit DTI difference is due to income calculations and liabilities based on documents in loan file.  |
| XXXX |  | 2126831 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.81 | 38.33 | Audit DTI difference is due to income calculations and liabilities based on documents in loan file.  |
| XXXX |  | 2123073 | Property Type | propertyValuationPage | Single Family Attached | Attached | Audit value updated as per Appraisal |
| XXXX |  | 2123074 | Qualifying FICO | creditLiabilitiesPage | 791 | 794 | Audit value based on lender qualifying requirements. |
| XXXX |  | 2123074 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 21.22 | 19.68 | Audit value based on qualifying P&I. |
| XXXX |  | 2126833 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 6.21 | 6.54 | Audit liabilities were based on documents in the loan file. |
| XXXX |  | 2126837 | Qualifying CLTV | propertyValuationPage | 68.21 | 70.00 | Audit value of 1st lien+ 2nd lien/Qualifying value. |
| XXXX |  | 2126837 | Qualifying LTV | propertyValuationPage | 68.21 | 70.00 | Audit value of subject lien/Qualifying value. |
| XXXX |  | 2126837 | Property Value | propertyValuationPage | XXXX | XXXX | Audit Value Pulled From Appraisal. |
| XXXX |  | 2126838 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 25.91 | 20.88 | Rounding. |
| XXXX |  | 2126840 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.16 | 43.01 | Audit liabilities were based on documents in the loan file. |
| XXXX |  | 2128048 | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Value pulled from appraisal |
| XXXX |  | 2128035 | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| XXXX |  | 2128034 | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| XXXX |  | 2128053 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.47 | 33.19 | Audit liabilities were based on documents in the loan file. |
| XXXX |  | 2132463 | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Attached | Audit Value Pulled From Appraisal. |
| XXXX |  | 2132465 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.97 | 49.00 | Audit reflects difference in subject property taxes per documents in the loan file.  |
| XXXX |  | 2132466 | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |

---

## Exhibit 99.11

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.11**

![](ex9911001.jpg)

**Selene Diligence LLC ("Selene") Due <br> Diligence Review Narrative ("Report")**

Selene's Report, which is to be made available to the recipients by the Client, includes the loan level results of Selene's independent, third-party due diligence review conducted on behalf of the Client. The scope of review for these loans is as follows:

**DESCRIPTION OF SERVICES:**

&nbsp;&nbsp;&nbsp;&nbsp;**(1) Type of assets that were reviewed.**

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by Ellington Management Group, LLC ("Client"). The review was conducted between September 2025 and February 2026 via files imaged and provided for review (the "Review").

&nbsp;&nbsp;&nbsp;&nbsp;**(2) Sample size of the assets reviewed.**

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 87 Non-QM loans and 42 ATR-QM exempt loans for a total of 129 loans the "Final Securitization Population".

*<u>Credit Reviews (129):</u>*

During the Review, Selene performed a credit review on 129 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (129)</u>*

During the Review, Selene performed a compliance review, when applicable on 129 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (129):</u>*

During the Review, Selene performed a property valuation review on 129 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (129):</u>*

During the Review, Selene performed a Data Integrity Review on 129 mortgage loans in the Final Securitization Population.

**<u>FINAL SECURITIZATION POPULATION</u>**

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 129 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;129 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;129 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;129 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;129 | &nbsp;&nbsp;100% |

---

&nbsp;&nbsp;&nbsp;&nbsp;**(3) Determination of the sample size and computation.**

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E.s, Fitch Ratings, Inc. (Fitch) and Kroll Bond Rating Agency ("Kroll"), (the "NRSRO(s)").

&nbsp;&nbsp;&nbsp;&nbsp;**(4) Quality or integrity of information or data about the assets: review and methodology.**

Where available, Selene compared the data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by Selene. This information may not have been available for all mortgage loans.

&nbsp;&nbsp;&nbsp;&nbsp;**(5) Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.**

Selene assessed the underwriting guidelines and compared the documentation in the loan file against the stated guidelines for adherence.

**<u>GUIDELINES</u>**

Five (5) originators guidelines (the "Guidelines").

**<u>LOAN GRADING</u>**

The Guidelines referenced above served as the benchmark for grading loans with respect to credit, compliance, underwriting, property valuation and data integrity. Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade considers additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Selene's loan grading is solely based on Selene's independent assessment of all Guideline exceptions and compensating factors for each of the component reviews. Selene is providing a comprehensive loan-level analysis that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades and sets forth compensating factors and waivers.

Page **2** of **10**

**<u>SCOPE OF REVIEW</u>**

Selene examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Selene relied on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A and B, attached hereto).

 **CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

● Assessed whether the characteristics of the mortgage loans and the borrowers conformed to the Guidelines cited above;

● Re-calculated LTV, CLTV, income, liabilities and compared these against the Guidelines;

● Analyzed asset statements to determine whether funds to close and reserves were within the Guidelines;

● Confirmed that credit scores (FICO) and credit histories were within the Guidelines.

 **COMPLIANCE REVIEW**

&nbsp;&nbsp;&nbsp;&nbsp;Selene's compliance scope determined the presence and correct execution of required documents such as the promissory note and security instrument.

 **PROPERTY VALUATION REVIEW**

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

● **Original Appraisal Assessment** 

Selene reviewed the original appraisal provided to determine whether the original appraisal was complete, thorough and the original appraised value was reasonably supported.

● **Value Supported Analysis** 

Selene applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third-party valuation product provided by the Client.

Page **3** of **10**

 **DATA INTEGRITY REVIEW**

&nbsp;&nbsp;&nbsp;&nbsp;Selene uploads tape data into its due diligence application and compares it to the actual documents provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Tape data received from lender/client is stored in a secured FTP folder;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Tape data is uploaded into the application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Loan Reviewer collects validated loan data;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Each received data point is compared to its counterpart collected data point; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Discrepancies found during comparison are stored and reported.

Selene provided the Client with a copy of the initial loan level tape discrepancy report which shows the differences between the data received by the Client versus the data captured by Selene during the loan review.

**<u>SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW</u>**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs.

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 129 mortgage loans, (ii) a Compliance Review on 129 mortgage loans (iii) a Valuation Review on 129 mortgage loans, and (iv) a Data Integrity Review on 129 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**REVIEW RESULTS SUMMARY**

After review of the 129 mortgage loans; 106 mortgage loans had a rating grade of A, 23 mortgage loan had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

***Grades per loan (129 overall loans):***

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** |  |  | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;Fitch | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** | &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;19 | &nbsp;&nbsp;19 | &nbsp;&nbsp;14.73% | &nbsp;&nbsp;A | &nbsp;&nbsp;106 | &nbsp;&nbsp;106 | &nbsp;&nbsp;82.17% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.33% | &nbsp;&nbsp;B | &nbsp;&nbsp;23 | &nbsp;&nbsp;23 | &nbsp;&nbsp;17.83% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;46 | &nbsp;&nbsp;46 | &nbsp;&nbsp;35.66% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;61 | &nbsp;&nbsp;61 | &nbsp;&nbsp;47.29% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

Page **4** of **10**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:***  | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:***  | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:***  | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:***  | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:***  | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:***  | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:***  | |
| | | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;114 | &nbsp;&nbsp;114 | &nbsp;&nbsp;88.37% | &nbsp;&nbsp;A | &nbsp;&nbsp;121 | &nbsp;&nbsp;121 | &nbsp;&nbsp;93.80% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;15 | &nbsp;&nbsp;15 | &nbsp;&nbsp;11.63% | &nbsp;&nbsp;B | &nbsp;&nbsp;8 | &nbsp;&nbsp;8 | &nbsp;&nbsp;6.20% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
|  |  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |  |  |  |  |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** |  |  |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;129 | &nbsp;&nbsp;129 | &nbsp;&nbsp;100.00% |  |  |  |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |

---

**<u>REVIEW RESULTS SUMMARY (EXCEPTION LISTING)</u>**

Review of the Final Grading Summary (redacted) provides the exceptions in detail and the migration from the initial rating agency grade to the final rating agency grade, based on mitigation/resolution from the client.

*Disclaimer:* Please be advised that Selene did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with all applicable laws and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Selene are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Selene is relying in reaching such findings.

Please be further advised that Selene does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Selene do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Selene. Information contained in any Selene report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of

Page **5** of **10**

limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. Risk levels associated with a loan may have changed an exception level, given rating agency published guidance, written guidance, or other guidance from the rating agency team on the transaction. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Selene to prepare its reports pursuant to its instructions and Guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Selene are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Selene does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Selene.

**<u>THIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

1. Selene Narrative Report

2. ASF Report

3. Grading Summary

4. Exception Detail

5. Tape Discrepancies

6. Valuations Report

7. Supplemental Data

8. Third Party (TPR) Attestation Form

9. Attestation Form 15E

Page **6** of **10**

**APPENDIX A – CREDIT REVIEW SCOPE**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements that are provided to Selene and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application**

For the Credit Application, Selene verified whether:

&nbsp;&nbsp;&nbsp;&nbsp;1. The application is signed by all listed borrowers;

&nbsp;&nbsp;&nbsp;&nbsp;2. The application is substantially filled out; and

&nbsp;&nbsp;&nbsp;&nbsp;3. All known borrower-owned properties are disclosed on the Real Estate Owned section.

**Credit Report**

Selene verified:

&nbsp;&nbsp;&nbsp;&nbsp;1. A credit report and/or other credit history documentation is present for each borrower;

&nbsp;&nbsp;&nbsp;&nbsp;2. Capture the monthly consumer debt payments for use in the debt to income and/or residual income
calculation, as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;3. Note the Real Estate Owned and fraud alerts; and

&nbsp;&nbsp;&nbsp;&nbsp;4. Gather data required for ASF Report submission which may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Most recent FICO Score (scores from Equifax, Experian, and Transunion if available)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Most recent FICO date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Longest Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Maximum Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Number of trade lines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Credit Usage Ratio

**Employment and Income**

Selene determined whether all applicable supporting documentation as required by the guidelines is in the file and note indications of potentially fraudulent documents. The documentation was also be used to verify whether the income used to qualify the loan was calculated in accordance with applicable guidelines. Documentation verifying employment and income may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verbal or Written VOE's

&nbsp;&nbsp;&nbsp;&nbsp;2. Pay stubs

&nbsp;&nbsp;&nbsp;&nbsp;3. W-2 forms

&nbsp;&nbsp;&nbsp;&nbsp;4. Tax returns

&nbsp;&nbsp;&nbsp;&nbsp;5. Financial statements

&nbsp;&nbsp;&nbsp;&nbsp;6. Award letters

&nbsp;&nbsp;&nbsp;&nbsp;7. Bank statements

Page **7** of **10**

**Asset Review**

Selene assessed whether the asset documentation required by the guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;2. Depository account statements

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement statement or other evidence of conveyance and transfer of funds if a sale of assets
was involved

**Hazard/Flood insurance** 

A review of the insurance present on the loan was also be performed:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verify that the hazard insurance meets the minimum required amount of coverage in the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For condominium properties, confirm that the blanket policy meets the minimum amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm that the flood cert is for the correct borrower, property, lender and loan number and is
a "Life of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For properties is in a flood zone per the flood cert, confirm that flood insurance in the file
meets the minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirm that the mortgagee clause lists the lender's name and "its successors and assigns";
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm that the premium amount on both the hazard and flood insurance match what was used in the
DTI calculations.

**Title**

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, when required, Selene looked for an independent, third party fraud report in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan does not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed for any name variations for the borrowers and confirm that the variations have been addressed
in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed for any social security number variations for the borrowers and confirm that the variations
have been addressed in the loan file;

Page **8** of **10**

&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed for any potential occupancy issues based on the borrowers' address history and confirm
that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;4. Reviewed for any employment issues and confirm that any issues have been addressed in the loan
file;

&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed for any additional consumers associated with the borrowers' profiles and confirm
the materiality and material issues have been addressed in the loan file; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A review of the completeness and accuracy of the information obtained in the mortgage origination
process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A review of closing documents to ensure that the mortgage file information is complete, accurate,
and consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene will review the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification that all borrowers are eligible based on the guidelines and information in the loan
file; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify there is appropriate documentation present to confirm that applicable documents have been
recorded or have been sent for recording.

Page **9** of **10**

**APPENDIX B – VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

○ The individuals performing the aforementioned original appraisal assessment are not persons providing valuations for purposes of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraisers under Federal or State law, and the services being performed by such persons do not constitute "appraisal reviews" for purposes of USPAP or Federal or State law.

○ Selene makes no representation or warranty as to the value of any mortgaged property, notwithstanding that Selene may have reviewed valuation information for reasonableness.

○ Selene is not an 'AMC' (appraisal management company) and therefore Selene does not opine on the actual value of the underlying property.

● Selene is not a 'creditor' within the meaning of ECOA or other lending laws and regulations, and therefore Selene will not have any communication with or responsibility to any individual consumer concerning property valuation.

● Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

Page **10** of **10**

## Exhibit 99.11

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.11 - Schedule 1**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 2127955 |  |  | XXXX B A D |
| 2115813 |  |  | XXXX C A D |
| 2109818 |  |  | XXXX C A |
| 2109831 |  |  | XXXX C A |
| 2122554 |  |  | XXXX C A D |
| 2127958 |  |  | XXXX D A |
| 2126841 |  |  | XXXX D A |
| 2122616 |  |  | XXXX D A |
| 2122609 |  |  | XXXX D A |
| 2122587 |  |  | XXXX C A |
| 2122559 |  |  | XXXX A D |
| 2126854 |  |  | XXXX D A |
| 2122588 |  |  | XXXX C A |
| 2122592 |  |  | XXXX A |
| 2129768 |  |  | XXXX D C A |
| 2114448 |  |  | XXXX C A B |
| 2133234 |  |  | XXXX C D A B |
| 2122600 |  |  | XXXX C A D |
| 2122605 |  |  | XXXX D A |
| 2122557 |  |  | XXXX A |
| 2122570 |  |  | XXXX C A |
| 2122563 |  |  | XXXX A D |
| 2122555 |  |  | XXXX C D A |
| 2122566 |  |  | XXXX A |
| 2122598 |  |  | XXXX C A D |
| 2122580 |  |  | XXXX C A |
| 2126851 |  |  | XXXX C D A |
| 2122590 |  |  | XXXX C D A |
| 2122573 |  |  | XXXX C A |
| 2122583 |  |  | XXXX C A D |
| 2122571 |  |  | XXXX C A |
| 2122565 |  |  | XXXX C A |
| 2122553 |  |  | XXXX A |
| 2122576 |  |  | XXXX A D |
| 2122597 |  |  | XXXX C A |
| 2122575 |  |  | XXXX D A |
| 2122611 |  |  | XXXX C D A |
| 2129769 |  |  | XXXX D A |
| 2126852 |  |  | XXXX C A |
| 2122604 |  |  | XXXX D C A |
| 2133264 |  |  | XXXX D C A |
| 2122560 |  |  | XXXX C B A |
| 2126855 |  |  | XXXX D A |
| 2122572 |  |  | XXXX A |
| 2124098 |  |  | XXXX C A |
| 2126842 |  |  | XXXX D A |
| 2126843 |  |  | XXXX D A |
| 2122596 |  |  | XXXX C D A |
| 2124103 |  |  | XXXX A |
| 2126846 |  |  | XXXX C A |
| 2122569 |  |  | XXXX C A D |
| 2126845 |  |  | XXXX D A |
| 2126844 |  |  | XXXX C D A |
| 2126849 |  |  | XXXX D A |
| 2124102 |  |  | XXXX C A |
| 2124104 |  |  | XXXX C A |
| 2124099 |  |  | XXXX A |
| 2124105 |  |  | XXXX A |
| 2124106 |  |  | XXXX A |
| 2124100 |  |  | XXXX A |
| 2126850 |  |  | XXXX A D |
| 2123468 |  |  | XXXX C A B |
| 2124097 |  |  | XXXX D A |
| 2131393 |  |  | XXXX D A |
| 2129776 |  |  | XXXX A |
| 2129795 |  |  | XXXX D A |
| 2133235 |  |  | XXXX C A B |
| 2129787 |  |  | XXXX C A D |
| 2129789 |  |  | XXXX D A |
| 2129788 |  |  | XXXX A |
| 2129792 |  |  | XXXX A |
| 2133258 |  |  | XXXX C D A |
| 2128027 |  |  | XXXX A |
| 2133262 |  |  | XXXX C D A |
| 2133253 |  |  | XXXX D A |
| 2127957 |  |  | XXXX D A B |
| 2129773 |  |  | XXXX A D |
| 2133260 |  |  | XXXX C D A |
| 2133231 |  |  | XXXX D A |
| 2129777 |  |  | XXXX C A D |
| 2133251 |  |  | XXXX C A |
| 2125847 |  |  | XXXX A D |
| 2129783 |  |  | XXXX D A |
| 2129774 |  |  | XXXX C D A |
| 2129785 |  |  | XXXX D C A |
| 2133232 |  |  | XXXX C D A |
| 2133256 |  |  | XXXX C D A B |
| 2129775 |  |  | XXXX C A |
| 2133252 |  |  | XXXX C A |
| 2133257 |  |  | XXXX C A |
| 2133240 |  |  | XXXX C A |
| 2133249 |  |  | XXXX C A |
| 2133254 |  |  | XXXX D A |
| 2131400 |  |  | XXXX C A B |
| 2131405 |  |  | XXXX C A B |
| 2131398 |  |  | XXXX C A B |
| 2131399 |  |  | XXXX C A B |
| 2131401 |  |  | XXXX C A B |
| 2131402 |  |  | XXXX C A B |
| 2131403 |  |  | XXXX C A B |
| 2131407 |  |  | XXXX C A B |
| 2131404 |  |  | XXXX C A B |
| 2131397 |  |  | XXXX C A B |
| 2131412 |  |  | XXXX C B A |
| 2131411 |  |  | XXXX A B |
| 2128028 |  |  | XXXX A |
| 2131408 |  |  | XXXX A B |
| 2133241 |  |  | XXXX C A |
| 2133245 |  |  | XXXX A |
| 2133248 |  |  | XXXX D A |
| 2133242 |  |  | XXXX C A |
| 2133250 |  |  | XXXX D A |
| 2133238 |  |  | XXXX C A |
| 2128026 |  |  | XXXX A |
| 2133246 |  |  | XXXX C A |
| 2133239 |  |  | XXXX A |
| 2131410 |  |  | XXXX D B A |
| 2133230 |  |  | XXXX C A |
| 2133186 |  |  | XXXX A B |
| 2131409 |  |  | XXXX D A |
| 2133263 |  |  | XXXX C A |
| 2133255 |  |  | XXXX C A B |
| 2133247 |  |  | XXXX C A |
| 2133259 |  |  | XXXX A C D |
| 2133185 |  |  | XXXX C B A |
| 2133184 |  |  | XXXX D B A |
| 2133183 |  |  | XXXX C B A |
| 2133187 |  |  | XXXX D A |
| 2133314 |  |  | XXXX A |

---

## Exhibit 99.11

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.11 - Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | 2127955 |  |  | Closed | 2025-09-22 06:04 | 2025-09-25 18:47 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Received CDA. Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - XXXXXX-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Provide Secondary Valuation or Additional Valuation (with acceptable variance to Primary). CU score is more than X.X. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - XXXXXX-XX/XX/XXXX<br>| Resolved-Received CDA. Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXX XXX.pdf |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 5614947 | N/A | N/A |
| XXXX | 2127955 |  |  | Closed | 2025-09-22 07:06 | 2025-09-24 13:07 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception Approval provided pXXX.<br> Condo exception: X.) Project's Single Entity Ownership exceeds XX%. Currently there is a Single Entity Ownership of XX.XX%. X.) Project has outstanding repairs listed in their milestone for staircases. Repairs are to begin this week. X.) The HOA will not provide an answer if there is any pending litigation. The county court docket shows no active litigation X.) Master insurance has roofs over XX years of age included in actual cash valuation rather than replacement cost. It has been confirmed with the HOA that the roofs were replaced in XXXX. The HOA demonstrates financial stability by allocating XX% in reserves annually and currently hold a reserve balance of $XXX,XXX.XX. No pending or special assessments at this time. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | Waived-Loan does not conform to program guidelines Exception Approval provided pXXX.<br> Condo exception: X.) Project's Single Entity Ownership exceeds XX%. Currently there is a Single Entity Ownership of XX.XX%. X.) Project has outstanding repairs listed in their milestone for staircases. Repairs are to begin this week. X.) The HOA will not provide an answer if there is any pending litigation. The county court docket shows no active litigation X.) Master insurance has roofs over XX years of age included in actual cash valuation rather than replacement cost. It has been confirmed with the HOA that the roofs were replaced in XXXX. The HOA demonstrates financial stability by allocating XX% in reserves annually and currently hold a reserve balance of $XXX,XXX.XX. No pending or special assessments at this time. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  | Credit Score is XXX. Minimum required per guidelines is XXX.<br> Borrower(s) have XX.XX months Reserves. Minimum required per guidelines is X months.<br> Borrower has worked in same industry more than X years X Months. | FL | Primary Residence | Refinance | Cash Out - Other | 5615681 | Originator Pre-Close | Yes |
| XXXX | 2115813 |  |  | Closed | 2025-11-19 05:45 | 2025-11-20 05:41 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Title Supp for loan amount - XXXXXX-XX/XX/XXXX <br>Open-Title Coverage Amount of $X is Less than Loan Amount Title in file does not provide the coverage amount. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Title Supp for loan amount - XXXXXX-XX/XX/XXXX<br>| Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXX XXXXX XXXX.pdf |  |  | CA | Primary Residence | Purchase | NA | 6301235 | N/A | N/A |
| XXXX | 2115813 |  |  | Closed | 2025-11-19 02:54 | 2025-11-20 03:55 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-XXXXXXX XXX provided. Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXXX XXX - XXXXXX-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X The file is missing secondary valuation or additional valuation. Provide a XXXX or XXXXX UCDP/XXX report with a score less than X.X, or an appraisal desk review.<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXXX XXX - XXXXXX-XX/XX/XXXX<br>| Resolved-XXXXXXX XXX provided. Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXX XXXXXXX XXX.pdf |  |  | CA | Primary Residence | Purchase | NA | 6299973 | N/A | N/A |
| XXXX | 2109818 |  |  | Closed | 2025-11-25 01:26 | 2025-11-26 23:39 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Expired | Resolved-Updated Final XXXX uploaded with Asset XXXXX #XXXX removed, Verified & entered in system - Resolved<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Asset X Not Expired Or Not Applicable - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX - XXXXXX-XX/XX/XXXX <br>Open-Asset X Expired Provide recent statement for XXXXX # XXXX account as the one on file is dated XX/XX/XXXX which is expired. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated Final XXXX uploaded with Asset XXXXX #XXXX removed, Verified & entered in system - Resolved<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Asset X Not Expired Or Not Applicable - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX.pdf |  |  | GA | Primary Residence | Purchase | NA | 6377647 | N/A | N/A |
| XXXX | 2109818 |  |  | Closed | 2025-11-25 01:28 | 2025-11-26 23:37 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared alerts - XXXXXX-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required cleared report is missing.<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared alerts - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX XXXXXX.pdf |  |  | GA | Primary Residence | Purchase | NA | 6377655 | N/A | N/A |
| XXXX | 2109831 |  |  | Closed | 2025-11-26 06:09 | 2025-12-03 01:07 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared alerts - XXXXXX-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing uncleared alert, provide updated fraud report.<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared alerts - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX XXXXXX.pdf |  |  | CA | Primary Residence | Purchase | NA | 6397520 | N/A | N/A |
| XXXX | 2122554 |  |  | Closed | 2025-12-03 01:48 | 2026-01-08 03:05 | Resolved | 1 - Information C A | Credit | Insurance | Flood Insurance Effective Date is after the Note Date | Resolved-Uploaded Flood Insurance Effective Date of XX-XX-XXXX is same as the Disbursement Date of XX-XX-XXXX, Verified – Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Flood Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Flood Insurance - Seller-XX/XX/XXXX <br>Open-Flood Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Flood Insurance Effective Date XX-XX-XXXX is after the Note Date of XX-XX-XXXX, Provide flood insurance prior to closing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Flood Insurance - Seller-XX/XX/XXXX<br>| Resolved-Uploaded Flood Insurance Effective Date of XX-XX-XXXX is same as the Disbursement Date of XX-XX-XXXX, Verified – Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Flood Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX - Due Diligence Vendor-XX/XX/XXXX<br>| Flood Insurance.XXX |  |  | CA | Second Home | Refinance | Cash Out - Other | 6459680 | N/A | N/A |
| XXXX | 2122554 |  |  | Closed | 2025-12-03 01:41 | 2025-12-08 03:32 | Resolved | 1 - Information D A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-LCA Freddie SSR uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Freddie SSR - Seller-XX/XX/XXXX <br>Open-For securitization, a second property valuation needs to be provided. File needs a FNMA and/or FHLMC UCDP/SSR report with scores less than X.X; or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Freddie SSR - Seller-XX/XX/XXXX<br>| Resolved-LCA Freddie SSR uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXX Freddie SSR.XXX |  |  | CA | Second Home | Refinance | Cash Out - Other | 6459664 | N/A | N/A |
| XXXX | 2127958 |  |  | Closed | 2025-12-04 10:07 | 2025-12-08 07:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Received Business Narrative. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX <br>Open-Provide Business Narrative. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX<br>| Resolved-Received Business Narrative. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| Business Narrative.XXX |  |  | NH | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6486708 | N/A | N/A |
| XXXX | 2126841 |  |  | Closed | 2025-12-05 02:34 | 2026-01-07 07:25 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. DOT with PUD box checked - Seller-XX/XX/XXXX <br>Open-The Deed of Trust is Missing Provided DOT PUD rider box not check marked, it need to be check marked. Provide the updated DOT with same. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. DOT with PUD box checked - Seller-XX/XX/XXXX<br>|  | XXXXXXX Security Instrument.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6498496 | N/A | N/A |
| XXXX | 2126841 |  |  | Closed | 2025-12-05 00:18 | 2026-01-07 07:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | PUD Rider is Missing | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. signed PUD rider - Seller-XX/XX/XXXX <br>Open-PUD Rider is Missing One in file PUD rider is missing. Provide the PUD rider. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. signed PUD rider - Seller-XX/XX/XXXX<br>|  | XXXXXXX PUD Rider.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6497638 | N/A | N/A |
| XXXX | 2126841 |  |  | Closed | 2025-12-05 02:36 | 2025-12-17 13:09 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-confirmed info uploaded, agree with calculation - resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated SSA income with income documentation - Seller-XX/XX/XXXX <br>Counter-GLs do not specify grossing up Social Security Income. even so XXXXX.X /XX = XXXX.XX \*XX%= XXXX.XX not XXXX.XX - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. For the SSA income it is also grossed up as borrower does not pay Federal withholdings and is grossed up XX% - Seller-XX/XX/XXXX <br>Open-Audited DTI is XX.XX% and lender DTI is XX.XX%. The difference is X.XX%. This is due to lender considered monthly income as $XXXX.XX whereas our calculated income is $XXXX.XX <br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated SSA income with income documentation - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. For the SSA income it is also grossed up as borrower does not pay Federal withholdings and is grossed up XX% - Seller-XX/XX/XXXX<br>| Resolved-confirmed info uploaded, agree with calculation - resolved - Due Diligence Vendor-XX/XX/XXXX<br>| Asset Income.XXX<br>SSA income.XXX<br>SSA XXXX.XXX<br>XXXX.XXXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6498532 | N/A | N/A |
| XXXX | 2126841 |  |  | Closed | 2025-12-11 07:32 | 2025-12-17 13:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Personal Bank Statements Missing | Resolved-Borrower X Personal Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-XX days proof of receipt provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated SSA income with income documentation - Seller-XX/XX/XXXX <br>Open-per GLs: Pension/Social Security/VA:<br> • Award letter(s) from the organizations providing the income, or<br> • Two prior years XXXX-X will be acceptable in lieu of award letter, and<br> • XX-days current proof of receipt - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated SSA income with income documentation - Seller-XX/XX/XXXX<br>| Resolved-Borrower X Personal Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-XX days proof of receipt provided. - Due Diligence Vendor-XX/XX/XXXX<br>| SSA income.XXX<br>SSA XXXX.XXX<br>XXXX.XXXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6582444 | N/A | N/A |
| XXXX | 2126841 |  |  | Closed | 2025-12-05 00:40 | 2025-12-10 00:39 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided fraud shows All Fraud Report Alerts have been cleared or None Exist. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required cleared report is missing.<br> - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX<br>| Resolved-Provided fraud shows All Fraud Report Alerts have been cleared or None Exist. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXXXXX XXXXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6497767 | N/A | N/A |
| XXXX | 2126841 |  |  | Closed | 2025-12-04 22:23 | 2025-12-09 00:03 | Resolved | 1 - Information C A | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved-Trust Documents uploaded, Verified & entered in system - Resolved<br> - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-Trust/POA Meets Guideline Requirements - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Trust agreement - Seller-XX/XX/XXXX <br>Open-Trust/POA Does Not Meet Guideline Requirements One in file trust documents are missing. Provide trust certification and other trust documents. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Trust agreement - Seller-XX/XX/XXXX<br>| Resolved-Trust Documents uploaded, Verified & entered in system - Resolved<br> - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-Trust/POA Meets Guideline Requirements - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXXXXX XXXXX XXXXXXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6496724 | N/A | N/A |
| XXXX | 2122616 |  |  | Closed | 2025-12-09 06:07 | 2025-12-23 03:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | Texas Home Equity Discount Point Acknowledgment is Missing | Resolved-Texas Home Equity Discount Point Acknowledgment uploaded, Verified & entered in system - Resolved<br> - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-Validation resolved. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Discount Point Document - Seller-XX/XX/XXXX <br>Open-Texas Home Equity Discount Point Acknowledgment is Missing - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Discount Point Document - Seller-XX/XX/XXXX<br>| Resolved-Texas Home Equity Discount Point Acknowledgment uploaded, Verified & entered in system - Resolved<br> - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-Validation resolved. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXXX XXXXXXXX XXXXX XXXXXXX.pdf |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 6544559 | N/A | N/A |
| XXXX | 2122616 |  |  | Closed | 2025-12-09 06:07 | 2025-12-23 03:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | Texas Home Equity Receipt Of Documents is Missing | Resolved-Texas Home Equity Receipt Of Documents uploaded, Verified & entered in system - Resolved<br> - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-Validation resolved. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Receipt of Documents Copies - Seller-XX/XX/XXXX <br>Open-Texas Home Equity Receipt Of Documents is Missing - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Receipt of Documents Copies - Seller-XX/XX/XXXX<br>| Resolved-Texas Home Equity Receipt Of Documents uploaded, Verified & entered in system - Resolved<br> - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-Validation resolved. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXXX XXXXXXXXXXXXXX XX XXXXXXX XX XXXX XXXXXXXXX.pdf |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 6544561 | N/A | N/A |
| XXXX | 2122616 |  |  | Closed | 2025-12-09 08:00 | 2025-12-16 09:21 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final XXXX is Present - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-Was hybrid signing signed after the Note date. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-this loan was a hybrid signing and the borrower didn't complete the e-signatures until after the note date. - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Missing Provide the updated FXXXX with closing date of XX/XX/XXXX, Borrower Signed on FXXXX XX/XX/XXXX which is after the Note & Notary Date of XX/XX/XXXX. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-this loan was a hybrid signing and the borrower didn't complete the e-signatures until after the note date. - Seller-XX/XX/XXXX<br>| Resolved-The Final XXXX is Present - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-Was hybrid signing signed after the Note date. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>|  |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 6546354 | N/A | N/A |
| XXXX | 2122616 |  |  | Closed | 2025-12-09 07:00 | 2025-12-16 06:47 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated XXXX Document uploaded with corrected qualifying income, Verified & entered in system - Resolved<br> - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Provide the update XXXX with income of $XX,XXX.XX. As per Final XXXX & Our calculated income is $XX,XXX.XX but XXXX document showing as $X,XXX.XX. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX<br>| Resolved-Updated XXXX Document uploaded with corrected qualifying income, Verified & entered in system - Resolved<br> - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXX.pdf |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 6545265 | N/A | N/A |
| XXXX | 2122616 |  |  | Closed | 2025-12-09 03:49 | 2025-12-15 04:29 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-Updated fraud report provided. Resolved - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XX/XX/XXXX on page#XX a clear fraud report is required. The fraud report in file pg#XXX is showing a High alert. The required cleared report is missing.<br> - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-Updated fraud report provided. Resolved - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXXXXX XXXXXX.pdf |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 6543468 | N/A | N/A |
| XXXX | 2122609 |  |  | Closed | 2025-12-14 19:43 | 2025-12-23 07:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Final XXXX for B2 with signature provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. FINAL XXXX - B2 - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Missing Provide borrower X final XXXX with signature, borrower sign missing in final XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. FINAL XXXX - B2 - Seller-XX/XX/XXXX<br>| Resolved-Final XXXX for B2 with signature provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX - B2.pdf |  |  | CA | Primary Residence | Purchase | NA | 6617224 | N/A | N/A |
| XXXX | 2122609 |  |  | Closed | 2025-12-14 22:38 | 2025-12-23 07:19 | Resolved | 1 - Information C A | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Resolved-Asset X Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final Gift letter, Proof of wire and updated XXXX - Seller-XX/XX/XXXX <br>Counter-Gift letters are in PDF file, proof of receipt not in file - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Gift letter - $XX,XXX.XX - Seller-XX/XX/XXXX <br>Open-Asset X Does Not Meet Guideline Requirements Provide proof of deposit for Gift $XX,XXX.XX, Gift letter available on page XXX missing proof of deposit. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final Gift letter, Proof of wire and updated XXXX - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Gift letter - $XX,XXX.XX - Seller-XX/XX/XXXX<br>| Resolved-Asset X Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX_Gift LetterX.pdf<br>Final Gift Letter.pdf<br>Gift Wire.pdf<br>XXXX.pdf<br>XXXX.pdf |  |  | CA | Primary Residence | Purchase | NA | 6617643 | N/A | N/A |
| XXXX | 2122609 |  |  | Closed | 2025-12-14 22:55 | 2025-12-16 00:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Final Closing Disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-XXXX: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final CD XX/X - Seller-XX/XX/XXXX <br>Open-XXXX: Missing Final Closing Disclosure Provide Final closing disclosure document. Final CD missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final CD XX/X - Seller-XX/XX/XXXX<br>| Resolved-Final Closing Disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-XXXX: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX_Final CD.pdf |  |  | CA | Primary Residence | Purchase | NA | 6617713 | N/A | N/A |
| XXXX | 2122609 |  |  | Closed | 2025-12-16 00:12 | 2025-12-16 00:19 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(X)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg #Finding, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg #XX, the appraisal disclosure is provided on page #XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable XXXX for this loan is (X.XX%).(XXX. Fin. Code XXXX(X); XX XXX XXXX.XX(X)(X)(X)) - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(X)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg #Finding, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg #XX, the appraisal disclosure is provided on page #XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Purchase | NA | 6637106 | N/A | N/A |
| XXXX | 2122609 |  |  | Closed | 2025-12-16 00:12 | 2025-12-16 00:18 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien XXX)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(X)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg #Finding, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg #XX, the appraisal disclosure is provided on page #XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. The loan meets XXXX guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXX.XX(X)(X)) - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(X)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg #Finding, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg #XX, the appraisal disclosure is provided on page #XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. The loan meets XXXX guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Purchase | NA | 6637105 | N/A | N/A |
| XXXX | 2122609 |  |  | Closed | 2025-12-14 22:19 | 2025-12-16 00:14 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than X.X provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXXX SSR - LCA Score X.X - Seller-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Provide secondary valuation document. Secondary valuation missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXXX SSR - LCA Score X.X - Seller-XX/XX/XXXX<br>| Resolved-Loan Collateral Advisor with CU score less than X.X provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX_XXXXXXX SSR.pdf |  |  | CA | Primary Residence | Purchase | NA | 6617574 | N/A | N/A |
| XXXX | 2122609 |  |  | Closed | 2025-12-14 19:54 | 2025-12-16 00:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Title Document is missing Provide Title commitment document. Title commitment missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Title Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX_Prelim.pdf |  |  | CA | Primary Residence | Purchase | NA | 6617235 | N/A | N/A |
| XXXX | 2122587 |  |  | Closed | 2025-12-13 23:07 | 2025-12-18 10:56 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-An updated fraud report dated XX/XX/XX received, all alerts cleared. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - XXXXXX-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required cleared report is missing.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - XXXXXX-XX/XX/XXXX<br>| Resolved-An updated fraud report dated XX/XX/XX received, all alerts cleared. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX XXXXXX.XXX |  |  | TX | Primary Residence | Purchase | NA | 6615441 | N/A | N/A |
| XXXX | 2122559 |  |  | Closed | 2025-12-14 23:51 | 2025-12-19 03:42 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Resolved-Initial Escrow Account Disclosure document provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Initial Escrow Account Disclosure - XXXXXX-XX/XX/XXXX <br>Open-Initial Escrow Account Disclosure document missing in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Initial Escrow Account Disclosure - XXXXXX-XX/XX/XXXX<br>| Resolved-Initial Escrow Account Disclosure document provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXXX_XXXXXXX XXXXXX XXXXXXX XXXXXXXXXX.XXX |  |  | TX | Primary Residence | Purchase | NA | 6617898 | N/A | N/A |
| XXXX | 2122559 |  |  | Closed | 2025-12-14 22:09 | 2025-12-18 04:04 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-SSR CU report provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Fannie SSR - CU score X - XXXXXX-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Per the Guideline version XX/XX/XXXX on page#XX, Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a FNMA or FHLMC UCDP/SSR report with a score less than X.X, or the file needs an Appraisal Desk Review.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Fannie SSR - CU score X - XXXXXX-XX/XX/XXXX<br>| Resolved-SSR CU report provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXXX_XXXXXX XXX.XXX |  |  | TX | Primary Residence | Purchase | NA | 6617541 | N/A | N/A |
| XXXX | 2122559 |  |  | Closed | 2025-12-14 20:56 | 2025-12-18 03:25 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Requested final XXXX provided, updated & condition resolved.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final XXXX - XXXXXX-XX/XX/XXXX <br>Open-The Final XXXX is Missing The Final executed XXXX is Missing - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Final XXXX - XXXXXX-XX/XX/XXXX<br>| Resolved-Requested final XXXX provided, updated & condition resolved.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXXX_XXXX.XXX |  |  | TX | Primary Residence | Purchase | NA | 6617347 | N/A | N/A |
| XXXX | 2126854 |  |  | Closed | 2025-12-15 00:15 | 2026-01-20 13:44 | Resolved | 1 - Information D A | Credit | Missing Doc | The letter of explanation for the borrower's assets/reserves is missing | Resolved-Access letter/LOX is misisng in file, provided the same, Changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Access Letter LOE - XXXXXX-XX/XX/XXXX <br>Open-The letter of explanation for the borrower's assets/reserves is missing. Please provide LOE or additional assets/reserves. Provide the LOE stating the borrower has authorized access to all funds from account #XXXX (Joint Account page #XX) as per XX XX.XX.XXXX page #XX.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Access Letter LOE - XXXXXX-XX/XX/XXXX<br>| Resolved-Access letter/LOX is misisng in file, provided the same, Changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXX.XXX |  |  | CA | Primary Residence | Purchase | NA | 6617993 | N/A | N/A |
| XXXX | 2126854 |  |  | Closed | 2025-12-15 15:55 | 2025-12-23 09:41 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Resolved. Copy of certified funds for EMD deposit provided and updated. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. EMD Documents - XXXXXX-XX/XX/XXXX <br>Open-Unable to verify the EMD amount of $XX,XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. EMD Documents - XXXXXX-XX/XX/XXXX<br>| Resolved-Resolved. Copy of certified funds for EMD deposit provided and updated. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXX XXXXXXX.XXX<br>XXX XXXXXXX.XXX |  |  | CA | Primary Residence | Purchase | NA | 6633831 | N/A | N/A |
| XXXX | 2126854 |  |  | Closed | 2025-12-15 00:19 | 2025-12-23 00:04 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. CLEARED ALERTS - XXXXXX-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page #XX a clear fraud report is required. The fraud report in file (page #XXX) has an uncleared alert. Provide the revised report.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. CLEARED ALERTS - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX XXXXXX.XXX |  |  | CA | Primary Residence | Purchase | NA | 6618013 | N/A | N/A |
| XXXX | 2126854 |  |  | Closed | 2025-12-14 22:45 | 2025-12-19 02:17 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-XXXX document provided. Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXX - XXXXXX-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. XXXX is missing. Provide the final XXXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXX - XXXXXX-XX/XX/XXXX<br>| Resolved-XXXX document provided. Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX XXXX.pdf |  |  | CA | Primary Residence | Purchase | NA | 6617679 | N/A | N/A |
| XXXX | 2122588 |  |  | Closed | 2025-12-21 00:46 | 2025-12-23 23:05 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. cleared alerts - XXXXXX-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XXXXXXXXX Version XX/XX/XXXX on page#XX a clear fraud report is required. The fraud report in file pg#XXX is showing a High alert. The required cleared report is missing.<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. cleared alerts - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| Cleared Alerts.pdf |  |  | CA | Primary Residence | Purchase | NA | 6724106 | N/A | N/A |
| XXXX | 2129768 |  |  | Closed | 2025-12-18 04:46 | 2026-02-02 08:53 | Resolved | 1 - Information D A | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Resolved-received September stmt - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Bank Statement attached - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Income worksheet - XXXXXX-XX/XX/XXXX <br>Open-BX qualifying using asset utilization, one in file XXXX bank account #XXXX , September XXXX statement is missing. Provide the XXXX bank account #XXXX , September XXXX statement. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | September XXXX statement is missing. - XX/XX/XXXX <br>Ready for Review-Document Uploaded. Bank Statement attached - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Income worksheet - XXXXXX-XX/XX/XXXX<br>| Resolved-received September stmt - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXX Income Calculation Worksheet.pdf<br>Bank Statement.pdf |  |  | UT | Primary Residence | Purchase | NA | 6679809 | N/A | N/A |
| XXXX | 2129768 |  |  | Closed | 2025-12-17 03:34 | 2025-12-26 09:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Lender income worksheet for BX provided. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Income calculation - XXXXXX-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender income worksheet is missing for BX. Provide income worksheet for BX - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Income calculation - XXXXXX-XX/XX/XXXX<br>| Resolved-Validation Resolved' - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Lender income worksheet for BX provided. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXX Income Calculation Worksheet.pdf |  |  | UT | Primary Residence | Purchase | NA | 6657654 | N/A | N/A |
| XXXX | 2129768 |  |  | Closed | 2025-12-17 03:55 | 2025-12-23 23:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report provided. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cap credit - XXXXXX-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Per the XX XX.XX.XXXX page # XX GAP report is required XX days prior to closing date. One in file is missing for BX, provide the GAP credit report for BX.<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cap credit - XXXXXX-XX/XX/XXXX<br>| Resolved-Borrower X Gap Credit Report provided. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXX GAP Credit.pdf |  |  | UT | Primary Residence | Purchase | NA | 6657779 | N/A | N/A |
| XXXX | 2129768 |  |  | Closed | 2025-12-17 21:38 | 2025-12-19 02:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Updated fraud report provided. Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared alerts - XXXXXX-XX/XX/XXXX <br>Open-Missing Third Party Fraud Report Provide Third Party Fraud Report with all Cleared alerts as Per the XX XX.XX.XXXX page # XX - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared alerts - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated fraud report provided. Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| Cleared Alerts.pdf |  |  | UT | Primary Residence | Purchase | NA | 6677135 | N/A | N/A |
| XXXX | 2114448 |  |  | Closed | 2025-12-18 06:14 | 2025-12-19 07:36 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception provided on page #XXX. Exception to waive soft credit. Original credit is within XX days of funding. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | Waived-Loan does not conform to program guidelines Exception provided on page #XXX. Exception to waive soft credit. Original credit is within XX days of funding. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  | XX.XX% DTI is below the maximum XX% DTI by XX.XX%.<br> Borrower has been employed at current job for X years. <br> Borrower has high residual income in amount of XX,XXX | TX | Primary Residence | Purchase | NA | 6680595 | Originator Pre-Close | Yes |
| XXXX | 2114448 |  |  | Closed | 2025-12-18 01:38 | 2025-12-19 07:36 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived- Received Exception is for LTV exceeds guidelines max LTV of XX% with LTV of XX% - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Buyer-XX/XX/XXXX <br>Open-Audited LTV of XX% exceeds Guideline LTV of XX% The audited LTV of XX% exceeds the guideline limit of XX%. To meet an LTV of XX%, a minimum FICO score of XXX is required. - Due Diligence Vendor-XX/XX/XXXX |  | Waived- Received Exception is for LTV exceeds guidelines max LTV of XX% with LTV of XX% - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX XXXXXXX XXXXXXXXX XXXXXX XXXXXX.pdf |  | XX.XX% DTI is below the maximum XX% DTI by XX.XX%.<br> Borrower has been employed at current job for X years. <br> Borrower has high residual income in amount of XX,XXX | TX | Primary Residence | Purchase | NA | 6678589 | Originator Pre-Close | Yes |
| XXXX | 2114448 |  |  | Closed | 2025-12-18 03:17 | 2025-12-18 07:45 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 0XXX)(Non-Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The system determines the threshold by adding X.X points to the comparable average prime offer rate index of (X.XX%). The System applied this threshold because this ($XXX,XXX.XX) loan exceeds ($XXX,XXX.XX), which is the XXXXXXX XXX conforming loan limit as of the date the loan's interest rate was set before consummation. (XX CFR XXXX.XX(a)(X)(ii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX-XX, the appraisal disclosure was provided to the borrower(s)- see page XX and copy of the appraisal was given to the borrower – see page XXX - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The system determines the threshold by adding X.X points to the comparable average prime offer rate index of (X.XX%). The System applied this threshold because this ($XXX,XXX.XX) loan exceeds ($XXX,XXX.XX), which is the XXXXXXX XXX conforming loan limit as of the date the loan's interest rate was set before consummation. (XX CFR XXXX.XX(a)(X)(ii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX-XX, the appraisal disclosure was provided to the borrower(s)- see page XX and copy of the appraisal was given to the borrower – see page XXX - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | TX | Primary Residence | Purchase | NA | 6679047 | N/A | N/A |
| XXXX | 2133234 |  |  | Closed | 2025-12-18 00:41 | 2026-02-20 08:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Waived with comp factors - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Exception Approval added another comp factor - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Seller Certificate - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX <br>Counter- Per the GL X.X.X.X requires primary housing history and X.X.X.X & the XX/XX/XXXX matrix allows living rent free for experienced investors. Provide LOE from the owner of XXX XXXXXX XXX X, XXXXXXXX, XX evidencing the borrower lives rent free to meet the requirement. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. They are rent free per updated XXXX - Seller-XX/XX/XXXX <br>Counter-Provide the XX months housing history for "XXX XXXXXX XXX XA per GL section X.X.X.X. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Seller Certificate - Seller-XX/XX/XXXX <br>Counter-Borrower does not meet the standard tradelines requirement per section X.X.X.X of the GL. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Update XXXX/XXXX to show no rents paid - Seller-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Unable to verify the XX months housing history for current address "XXX XXXXXX XXX XA" (XxXXxXX max required). Provide the XX months housing history for current address "XXX XXXXXX XXX XA. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Exception Approval added another comp factor - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Seller Certificate - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. They are rent free per updated XXXX - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Seller Certificate - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Update XXXX/XXXX to show no rents paid - Seller-XX/XX/XXXX<br>| Waived-Waived with comp factors - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX.XXXX.pdf<br>XXXX XXXXXXXXX_Seller Certificate.pdf<br>XXXX.pdf<br>XXXXXXXX XXXXXXXX.pdf<br>XXXX XXXXXXXXX_Seller Certificate Housing.pdf<br>XXXXXXXX XXXXXXXX.pdf<br>XXXXXXXX XXXXXXXX.pdf |  | XXXXXXXX XX.XX<br> LTV XX.XX | PA | Investment | Refinance | Cash Out - Other | 6678351 | Originator Pre-Close | Yes |
| XXXX | 2133234 |  |  | Closed | 2025-12-18 04:28 | 2026-02-20 08:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Updated Final XXXX with corrected citizenship uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Missing Loan Application in file shows citizenship as permanent resident alien, but should be non-permanent resident alien per the EAD card on page #XXX the in file. Provide an updated loan application. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX<br>| Resolved-Updated Final XXXX with corrected citizenship uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX.pdf |  |  | PA | Investment | Refinance | Cash Out - Other | 6679626 | N/A | N/A |
| XXXX | 2133234 |  |  | Closed | 2025-12-18 01:06 | 2025-12-23 03:36 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page #XX a clear fraud report is required. The fraud report in file (page # XXX) contains an uncleared alert. Provide the updated fraud report.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX<br>| Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXX XXXXXX.pdf |  |  | PA | Investment | Refinance | Cash Out - Other | 6678455 | N/A | N/A |
| XXXX | 2122600 |  |  | Closed | 2025-12-17 23:37 | 2025-12-26 13:25 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Received approval with appraised value of XXXk - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Approval showing correct appraised value - Seller-XX/XX/XXXX <br>Counter-LA still has appraised value as $XXXk and per appraisal is $XXXk. Provide the updated LA to resolve. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Lender approval form on page XXX dated XX/XX/XXXX reflecting program detail XXXXX XXXXX and showing incorrect appraisal value $XXX,XXX, we have lock confirmation on page XXX dated XX/XX/XXXX with X+ program and reflecting correct Appraisal value $XXX,XXX, Provide updated lender approval form with correct program detail and appraisal value. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Approval showing correct appraised value - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Received approval with appraised value of XXXk - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXX.pdf<br>XXXXXXXX.pdf |  |  | TX | Primary Residence | Purchase | NA | 6677979 | N/A | N/A |
| XXXX | 2122600 |  |  | Closed | 2025-12-17 22:16 | 2025-12-19 02:41 | Resolved | 1 - Information D A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Requested secondary valuation provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXX XXX - Seller-XX/XX/XXXX <br>Open-For securitization, a second property valuation needs to be provided. File needs a XXXXX and/or XXXXX UCDP/SSR report with scores less than X.X; or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXX XXX - Seller-XX/XX/XXXX<br>| Resolved-Requested secondary valuation provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX XXXXX XXX.pdf |  |  | TX | Primary Residence | Purchase | NA | 6677367 | N/A | N/A |
| XXXX | 2122600 |  |  | Closed | 2025-12-17 22:26 | 2025-12-19 02:40 | Resolved | 1 - Information C A | Credit | Doc Issue | Missing asset documentation (ATR) | Resolved-Updated XXXX provided by removing proceeds from sale as borrower already have sufficient funds to close, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX removing Asset - Seller-XX/XX/XXXX <br>Open-Provide proof of funds for proceeds from real estate of $XXX,XXX as per final XXXX page XXXX with proof of funds in escrow/wire. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX removing Asset - Seller-XX/XX/XXXX<br>| Resolved-Updated XXXX provided by removing proceeds from sale as borrower already have sufficient funds to close, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX.XXX |  |  | TX | Primary Residence | Purchase | NA | 6677428 | N/A | N/A |
| XXXX | 2122600 |  |  | Closed | 2025-12-17 22:41 | 2025-12-19 02:33 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX.XX.XXXX page #XX a clear fraud report is required. The fraud report in file (page #XXX) shows an uncleared alert. Provide an updated fraud report.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX<br>| Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXX XXXXX.XXX |  |  | TX | Primary Residence | Purchase | NA | 6677523 | N/A | N/A |
| XXXX | 2122605 |  |  | Closed | 2025-12-18 03:19 | 2026-01-08 06:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Borrower X Business Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-XXX account #XXXX, XXXXXXXX XXXX business bank statement uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. business bank statement - Seller-XX/XX/XXXX <br>Open-Borrower X Business Bank Statements Missing BX business bank statement XXX account #XXXX, XXXXXXXX XXXX is missing in file. provide the XXX account #XXXX, XXX XXXX bank statement. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. business bank statement - Seller-XX/XX/XXXX<br>| Resolved-Borrower X Business Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-XXX account #XXXX, XXXXXXXX XXXX business bank statement uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXX XXXXXXXX XXXX XXXXX XXXXX.XXX |  |  | CA | Primary Residence | Purchase | NA | 6679067 | N/A | N/A |
| XXXX | 2122605 |  |  | Closed | 2025-12-19 00:44 | 2026-01-08 06:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. VVOE - Seller-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing BX Xrd party VVOE is missing for employer "XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX" . Provide BX VVOE within XX days of closing date XX/XX/XXXX for employer "XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX" . - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. VVOE - Seller-XX/XX/XXXX<br>| Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXX VVOE.XXX |  |  | CA | Primary Residence | Purchase | NA | 6699939 | N/A | N/A |
| XXXX | 2122605 |  |  | Closed | 2025-12-18 21:27 | 2026-01-06 03:04 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Requested additional assets provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Audited Reserves of X.XX month(s) are greater than or equal to XXXXXXXX Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. All final wires attached. The Balance in the XX acct is after the $XXk XXX was taken out. Borrower has enough for reserves after final funds of $XX,XXX.XX. Balance of XX would be $XX,XXX.XX and the other acct has $XXXX.XX giving them just over the amount needed for reserves. - Seller-XX/XX/XXXX <br>Open-Audited Reserves of X.XX month(s) are less than XXXXXXXX Required Reserves of X month(s) As per guidelines for LTV>=X% reserves required X months of PITIA. Final XX showing cash from borrower $XXX,XXX.XX + PITIA $XX,XXX.XX (X \*$XX,XXX.XX months reserves) = $XXX,XXX.XX, available verified asset $XXX,XXX.XX. the loan is short funds $XX,XXX.XX. Provide sufficient funds to cover the reserves shortage. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. All final wires attached. The Balance in the XX acct is after the $XXk XXX was taken out. Borrower has enough for reserves after final funds of $XX,XXX.XX. Balance of XX would be $XX,XXX.XX and the other acct has $XXXX.XX giving them just over the amount needed for reserves. - Seller-XX/XX/XXXX<br>| Resolved-Requested additional assets provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Audited Reserves of X.XX month(s) are greater than or equal to XXXXXXXX Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX XXXX XXXXXXXX.XXX<br>XXXX XXXXX.XXX |  |  | CA | Primary Residence | Purchase | NA | 6698961 | N/A | N/A |
| XXXX | 2122605 |  |  | Closed | 2025-12-19 00:52 | 2026-01-06 03:03 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Requested updated income calculator, XXXX, XXXX provided with updated income now DTI is matching hence condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated Income worksheet with XXXX/XXXX - Seller-XX/XX/XXXX <br>Open-Audited DTI is XX% and lender DTI is XX.XX %. The difference is XX.XX%. This is due to lender considered monthly income as $ XX,XXX.XX whereas our calculated income is $XX,XXX.XX <br> (as per XXX page #XXX considered the ownership XX.XX% & XX% expense whereas lender considered the ownership XXX% & expense XX%) - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated Income worksheet with XXXX/XXXX - Seller-XX/XX/XXXX<br>| Resolved-Requested updated income calculator, XXXX, XXXX provided with updated income now DTI is matching hence condition resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX XXXXXXXX XXXXXXXX.XXX<br>XXXX.XXXX.XXX |  |  | CA | Primary Residence | Purchase | NA | 6699962 | N/A | N/A |
| XXXX | 2122605 |  |  | Closed | 2025-12-18 03:42 | 2025-12-22 05:40 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-LCA (XXXXXXXX XXX) uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXXX XXX - Seller-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per XXXXXXXX requirements and XX Score, if present, is greater than X.X File needs a XXXXX or XXXXXX XXXXXX report with a score less than X.X, or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXXX XXX - Seller-XX/XX/XXXX<br>| Resolved-LCA (XXXXXXXX XXX) uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXX XXXXXXX XXX.XXX |  |  | CA | Primary Residence | Purchase | NA | 6679201 | N/A | N/A |
| XXXX | 2122605 |  |  | Closed | 2025-12-19 00:09 | 2025-12-19 01:56 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX, XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX . The loan meets HPML guidelines. - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XX-XX/XX/XXXX |  | Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX, XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX . The loan meets HPML guidelines. - XXX XXXXXXXXX XX-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Purchase | NA | 6699812 | N/A | N/A |
| XXXX | 2122605 |  |  | Closed | 2025-12-19 00:09 | 2025-12-19 01:49 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien XXX)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX, XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX . The loan meets HPML guidelines. - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX, XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX . The loan meets HPML guidelines. - XXX XXXXXXXXX XX-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Purchase | NA | 6699811 | N/A | N/A |
| XXXX | 2122570 |  |  | Closed | 2025-12-21 22:44 | 2025-12-26 03:19 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing uncleared alert, provide updated fraud report.<br> - XXX XXXXXXXXX XX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXX XX-XX/XX/XXXX<br>| XXXXXXXX XXXXXXX.XXX |  |  | TX | Primary Residence | Purchase | NA | 6728387 | N/A | N/A |
| XXXX | 2122563 |  |  | Closed | 2025-12-23 19:38 | 2025-12-29 14:34 | Resolved | 1 - Information A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (XXXX) | Resolved-Resolved - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Rescinded-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Credit Report fee increased from Revised LE Date XX/XX/XXXX Fee $XXX to Initial Closing Disclosure Date XX/XX/XXXX Fee $XXX.XX. Increased only $X.XX. within $X, hence rescinded. - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XX-XX/XX/XXXX |  | Resolved-Resolved - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Rescinded-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Credit Report fee increased from Revised LE Date XX/XX/XXXX Fee $XXX to Initial Closing Disclosure Date XX/XX/XXXX Fee $XXX.XX. Increased only $X.XX. within $X, hence rescinded. - XXX XXXXXXXXX XX-XX/XX/XXXX<br>|  |  |  | CO | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6778963 | N/A | N/A |
| XXXX | 2122563 |  |  | Closed | 2025-12-23 19:38 | 2025-12-29 14:31 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XXX) | Resolved- - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. COC/CD XX/X - Seller-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit amount of ($X,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and - X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). Provide the COC for Final CD Date XX/XX/XXXX due to Lender Credits Decreased from Initial CD Date XX/XX/XXXX. Fee $X,XXX to Final CD Date XX/XX/XXXX. Fee $X,XXX. Decreased Fee $XXX. - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XX-XX/XX/XXXX | Ready for Review-Document Uploaded. COC/CD XX/X - Seller-XX/XX/XXXX<br>| Resolved- - XXX XXXXXXXXX XX-XX/XX/XXXX<br>| XXXXXX XXX.XX.XXX |  |  | CO | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6778962 | N/A | N/A |
| XXXX | 2122563 |  |  | Closed | 2025-12-23 08:14 | 2025-12-26 04:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Final XXXX with both borrower signatures Provided. - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final XXXX - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Missing for Both Borrowers. - XXX XXXXXXXXX XX-XX/XX/XXXX | Ready for Review-Document Uploaded. Final XXXX - Seller-XX/XX/XXXX<br>| Resolved-Final XXXX with both borrower signatures Provided. - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - XXX XXXXXXXXX XX-XX/XX/XXXX<br>| XXXXXX XXXXX XXXX.XXX |  |  | CO | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6759470 | N/A | N/A |
| XXXX | 2122563 |  |  | Closed | 2025-12-23 18:39 | 2025-12-26 03:16 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation (XXXXXX XXX) provided.<br> - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXX XXX - Seller-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Per the Guideline version XX/XX/XXXX on page#XX, Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a XXXX or XXXXXX UCDP/XXX report with a score less than X.X, or the file needs an Appraisal Desk Review.<br> - XXX XXXXXXXXX XX-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXX XXX - Seller-XX/XX/XXXX<br>| Resolved-Secondary Valuation or Additional Valuation (XXXXXX XXX) provided.<br> - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXXX XX-XX/XX/XXXX<br>| XXXXXX XXXXXX XXX.XXX |  |  | CO | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6778662 | N/A | N/A |
| XXXX | 2122555 |  |  | Closed | 2026-01-05 07:04 | 2026-01-08 06:19 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XXXX) | Resolved- - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached XXX Form which explains the reason for this Valid XXX / Pricing Change.<br> Seller Certificate - XXXXXX-XX/XX/XXXX <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last XX shows a total lender credit amount of ($X,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX XXX XXXXX.XX(X)(X)(X) and comments XX(X)(X)(X)-X and - X; XX XXX XXXXX.XX(X)(X)(X); XX XXX XXXXX.XX(X)(X); XX XXX XXXXX.XX(X)). - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached XXX Form which explains the reason for this Valid XXX / Pricing Change.<br> Seller Certificate - XXXXXX-XX/XX/XXXX<br>| Resolved- - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXXXXX_Seller Certificate.XXX<br>XXX FORM - XXXXXXX XX.XX.XX.XXX<br>XX XX.XX.XX.XXX |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 6912079 | N/A | N/A |
| XXXX | 2122555 |  |  | Closed | 2026-01-05 07:04 | 2026-01-08 06:19 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien XXX)(Conforming) | Open- - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) XXX equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.XX(X)(X)(X)) Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, XXX's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s ___XXX__ and the Final Closing disclosure on Findings reflects escrows. Rate lock date was entered correctly – see Pg#'s ___XXX_ An interior and exterior appraisal was completed for this property – see pg __XX_ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_XXX__ , and copy of the appraisal was given to the borrower – see Pg#'s ___XX__ for the copy of the disclosure. The loan meets XXXX guidelines - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open-The loan's (X.XXX%) XXX equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.XX(X)(X)(X)) - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) XXX equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.XX(X)(X)(X)) Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, XXX's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s ___XXX__ and the Final Closing disclosure on Findings reflects escrows. Rate lock date was entered correctly – see Pg#'s ___XXX_ An interior and exterior appraisal was completed for this property – see pg __XX_ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_XXX__ , and copy of the appraisal was given to the borrower – see Pg#'s ___XX__ for the copy of the disclosure. The loan meets XXXX guidelines - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>|  |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 6912080 | N/A | N/A |
| XXXX | 2122555 |  |  | Closed | 2025-12-22 03:04 | 2026-01-05 06:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XXXX: Final Closing Disclosure Provided - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final XX - XXXXXX-XX/XX/XXXX <br>Counter-signed Final XXXX Closing disclosure not in file. Settlement statement not sufficient for XXXX file - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final XX - XXXXXX-XX/XX/XXXX <br>Open-XXXX: Missing Final Closing Disclosure Missing Final Closing Disclosure - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Final XX - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final XX - XXXXXX-XX/XX/XXXX<br>| Resolved-XXXX: Final Closing Disclosure Provided - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| Final XX.XXX<br>Final XX.XXX |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 6729535 | N/A | N/A |
| XXXX | 2122555 |  |  | Closed | 2025-12-22 23:01 | 2025-12-29 14:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-received initial XX - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Initial XX - XXXXXX-XX/XX/XXXX <br>Open-XXXX: Missing Closing Disclosure Initial Closing Disclosure document missing in the file. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Initial XX - XXXXXX-XX/XX/XXXX<br>| Resolved-received initial XX - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| Closing Disclosure.XXX |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 6754795 | N/A | N/A |
| XXXX | 2122555 |  |  | Closed | 2025-12-22 00:58 | 2025-12-25 23:52 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. cleared alerts - XXXXXX-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XXXXXXXX Version XX/XX/XXXX on page#XX a clear fraud report is required. The fraud report in file pg#XXX is showing a High alert. The required cleared report is missing.<br> - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. cleared alerts - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| Cleared Alerts.XXX |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 6729026 | N/A | N/A |
| XXXX | 2122555 |  |  | Closed | 2025-12-22 04:48 | 2025-12-25 23:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Updated Final XXXX uploaded with Demographic information marked, Verified & entered in system - Resolved<br> - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. updated XXXX - XXXXXX-XX/XX/XXXX <br>Open-The Final XXXX is Missing Borrower Demographic information is not provided in the final XXXX and initial XXXX. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. updated XXXX - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated Final XXXX uploaded with Demographic information marked, Verified & entered in system - Resolved<br> - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXX.XXX |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 6730208 | N/A | N/A |
| XXXX | 2122598 |  |  | Closed | 2025-12-22 06:34 | 2025-12-30 00:31 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated Title Commitment uploaded, Verified & entered in system - Resolved<br> - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Title Commitment - XXXXXX-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXXX is Less than Loan Amount Provide updated title document covering full loan amount as the one in file shows coverage amount as $X,XXX,XXX which is lower than the loan amount of $X,XXX,XXX. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Title Commitment - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated Title Commitment uploaded, Verified & entered in system - Resolved<br> - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| Title Commitment - XXXX-XX-XXTXXXXXX.XXX.XXX |  |  | TN | Primary Residence | Purchase | NA | 6731625 | N/A | N/A |
| XXXX | 2122598 |  |  | Closed | 2025-12-22 07:22 | 2025-12-26 03:13 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation (XXXXXX XXX) provided.<br> - XXX XXXXXXXXX XX-XX-XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXXX XX-XX-XXXX <br>Ready for Review-Document Uploaded. XXXXXXX XXX - XXX X - XXXXXX-XX-XX-XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X The file is missing secondary valuation or additional valuation. Provide a XXXX or XXXXXX UCDP/SSR report with a score less than X.X, or an appraisal desk review.<br> - XXX XXXXXXXXX XX-XX-XXXX | Ready for Review-Document Uploaded. XXXXXXX XXX - XXX X - XXXXXX-XX-XX-XXXX<br>| Resolved-Secondary Valuation or Additional Valuation (XXXXXX XXX) provided.<br> - XXX XXXXXXXXX XX-XX-XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXXX XX-XX-XXXX<br>| XXXXXXXXXXXXXXXXXXXXXXXX.pdf |  |  | TN | Primary Residence | Purchase | NA | 6732510 | N/A | N/A |
| XXXX | 2122580 |  |  | Closed | 2025-12-23 02:25 | 2025-12-28 23:00 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XX-XX-XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXX XX-XX-XXXX <br>Ready for Review-Document Uploaded. cleared alerts - XXXXXX-XX-XX-XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required cleared report is missing.<br> - XXX XXXXXXXXX XX-XX-XXXX | Ready for Review-Document Uploaded. cleared alerts - XXXXXX-XX-XX-XXXX<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XX-XX-XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXX XX-XX-XXXX<br>| XXXXXXXXXXXXXXXXXX.pdf |  |  | AL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6755620 | N/A | N/A |
| XXXX | 2126851 |  |  | Closed | 2025-12-24 10:43 | 2026-01-12 08:14 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved-Document Uploaded. Pre Closing Cd and Seller Certificate - XXX XXXXXXXXX XX-XX-XXXX <br>Ready for Review-Document Uploaded. Pre Closing Cd and Seller Certificate - XXXXXX-XX-XX-XXXX <br>Open-The Initial Closing Disclosure Received Date of (XXXX-XX-XX) is not three business days before the consummation date of (XXXX-XX-XX). Three business days before the consummation date is (XXXXXXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (XX CFR XXXXX.XX(f)(X)(XX)(X)); XXXXX.XX(f)(X)(XXX)) Please provide copy of Initial Closing Disclosure - XXX XXXXXXXXX XX-XX-XXXX <br>Open- - XXX XXXXXXXXX XX-XX-XXXX | Ready for Review-Document Uploaded. Pre Closing Cd and Seller Certificate - XXXXXX-XX-XX-XXXX<br>| Resolved-Document Uploaded. Pre Closing Cd and Seller Certificate - XXX XXXXXXXXX XX-XX-XXXX<br>| XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX.pdf<br>XXXXXXXXXXXXXXXXXXXX.pdf |  |  | CA | Primary Residence | Purchase | NA | 6792260 | N/A | N/A |
| XXXX | 2126851 |  |  | Closed | 2025-12-24 00:17 | 2025-12-30 01:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated Final XXXX with Demographic information marked uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XX-XX-XXXX <br>Resolved-The Final XXXX is Present - XXX XXXXXXXXX XX-XX-XXXX <br>Ready for Review-Document Uploaded. Updated XXXX - XXXXXX-XX-XX-XXXX <br>Open-The Final XXXX is Incomplete Provide updated final XXXX as the provided one on page XXX Demographic information was provided through is not checked. - XXX XXXXXXXXX XX-XX-XXXX | Ready for Review-Document Uploaded. Updated XXXX - XXXXXX-XX-XX-XXXX<br>| Resolved-Updated Final XXXX with Demographic information marked uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XX-XX-XXXX <br>Resolved-The Final XXXX is Present - XXX XXXXXXXXX XX-XX-XXXX<br>| XXXXXXXX.pdf |  |  | CA | Primary Residence | Purchase | NA | 6782626 | N/A | N/A |
| XXXX | 2126851 |  |  | Closed | 2025-12-24 01:45 | 2025-12-30 00:44 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided fraud shows All Fraud Report Alerts have been cleared or None Exist. - XXX XXXXXXXXX XX-XX-XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXX XX-XX-XXXX <br>Ready for Review-Document Uploaded. Cleared alerts - XXXXXX-XX-XX-XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing uncleared alert, provide updated fraud report.<br> - XXX XXXXXXXXX XX-XX-XXXX | Ready for Review-Document Uploaded. Cleared alerts - XXXXXX-XX-XX-XXXX<br>| Resolved-Provided fraud shows All Fraud Report Alerts have been cleared or None Exist. - XXX XXXXXXXXX XX-XX-XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXX XX-XX-XXXX<br>| XXXXXXXXXXXXXXXXXX.pdf |  |  | CA | Primary Residence | Purchase | NA | 6783722 | N/A | N/A |
| XXXX | 2122590 |  |  | Closed | 2025-12-23 02:33 | 2025-12-30 00:41 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XX-XX-XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXX XX-XX-XXXX <br>Ready for Review-Document Uploaded. cleared alerts - XXXXXX-XX-XX-XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) showing X high uncleared alert. The required cleared report is missing.<br> - XXX XXXXXXXXX XX-XX-XXXX | Ready for Review-Document Uploaded. cleared alerts - XXXXXX-XX-XX-XXXX<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XX-XX-XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXX XX-XX-XXXX<br>| XXXXXXXXXXXXXXXXXX.pdf |  |  | GA | Primary Residence | Purchase | NA | 6755646 | N/A | N/A |
| XXXX | 2122590 |  |  | Closed | 2025-12-23 00:33 | 2025-12-30 00:37 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Short Form Residential loan policy uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XX-XX-XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXX XX-XX-XXXX <br>Ready for Review-Document Uploaded. Title Policy - XXXXXX-XX-XX-XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Provide updated Title document as the one in file shows coverage amount as $XXX,XXX which is less than the loan amount of $XXX,XXX. <br> - XXX XXXXXXXXX XX-XX-XXXX | Ready for Review-Document Uploaded. Title Policy - XXXXXX-XX-XX-XXXX<br>| Resolved-Short Form Residential loan policy uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XX-XX-XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXX XX-XX-XXXX<br>| XXXXXXXXXXXXXXXXXX.pdf |  |  | GA | Primary Residence | Purchase | NA | 6755232 | N/A | N/A |
| XXXX | 2122590 |  |  | Closed | 2025-12-23 04:04 | 2025-12-29 12:00 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien XXX)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is missing and the Final Closing disclosure on page # XXX-XXX reflects escrows. Rate lock is on page # XXX-XXX. An interior and exterior appraisal was completed for this property – see page # XX-XX, the appraisal disclosure was provided to the borrower(s)- see page # XXXand confirmation the appraisal was delivered to the borrower pg # XXX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is missing and the Final Closing disclosure on page # XXX-XXX reflects escrows. Rate lock is on page # XXX-XXX. An interior and exterior appraisal was completed for this property – see page # XX-XX, the appraisal disclosure was provided to the borrower(s)- see page # XXXand confirmation the appraisal was delivered to the borrower is missing. The loan doesn't meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is missing and the Final Closing disclosure on page # XXX-XXX reflects escrows. Rate lock is on page # XXX-XXX. An interior and exterior appraisal was completed for this property – see page # XX-XX, the appraisal disclosure was provided to the borrower(s)- see page # XXXand confirmation the appraisal was delivered to the borrower pg # XXX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | GA | Primary Residence | Purchase | NA | 6756125 | N/A | N/A |
| XXXX | 2122590 |  |  | Closed | 2025-12-23 04:35 | 2025-12-28 23:14 | Resolved | 1 - Information D A | Compliance | Missing Doc | Other Rider is Missing | Resolved-GA Acknowledgement of Borrower Rights uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. GA Acknowledgement of Borrower Rights - Seller-XX/XX/XXXX <br>Open-Provide GA Acknowledgement of Borrower Rights rider as it is not in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. GA Acknowledgement of Borrower Rights - Seller-XX/XX/XXXX<br>| Resolved-GA Acknowledgement of Borrower Rights uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX_XXXXXX XX XXXXXXXX XXXXX.pdf |  |  | GA | Primary Residence | Purchase | NA | 6756346 | N/A | N/A |
| XXXX | 2122590 |  |  | Closed | 2025-12-23 20:40 | 2025-12-28 23:13 | Resolved | 1 - Information C A | Credit | Doc Issue | Initial Escrow Acct Disclosure missing; loan has escrows | Resolved-Initial Escrow Acct Disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. IEADS - Seller-XX/XX/XXXX <br>Open-Provide Initial Escrow Account Disclosure (IEAD) document as tax and insurances are escrowed but IEAD is not in file . - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. IEADS - Seller-XX/XX/XXXX<br>| Resolved-Initial Escrow Acct Disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX_XXXXXXX XXXXXX XXXXXXX XXXXXXXXX.pdf |  |  | GA | Primary Residence | Purchase | NA | 6779144 | N/A | N/A |
| XXXX | 2122590 |  |  | Closed | 2025-12-23 01:09 | 2025-12-28 23:13 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-LCA (XXXXXXX XXX) uploaded, verified & entered in system - Resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-SSR - LCA score of X.X - Seller-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X The file is missing secondary valuation or additional valuation. Provide a XXXXX or XXXXXX UCDP/SSR report with a score less than X.X, or an appraisal desk review.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-SSR - LCA score of X.X - Seller-XX/XX/XXXX<br>| Resolved-LCA (XXXXXXX XXX) uploaded, verified & entered in system - Resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX_XXXXXXX XXX.pdf |  |  | GA | Primary Residence | Purchase | NA | 6755355 | N/A | N/A |
| XXXX | 2122573 |  |  | Closed | 2025-12-26 22:08 | 2026-01-04 21:53 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page #XX a clear fraud report is required. The fraud report in file (page #XXX) shows an uncleared alert. Provide the updated report.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX<br>| Resolved-All Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXXXX.pdf |  |  | TX | Primary Residence | Purchase | NA | 6822411 | N/A | N/A |
| XXXX | 2122573 |  |  | Closed | 2025-12-26 21:55 | 2026-01-04 20:51 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower X Gap Credit Report Provided.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. GAP Credit<br> - Seller-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). GAP credit report is dated XX/XX/XXXX which is greater than XX business days from the closing and note date of XX/XX/XXXX. Provide a gap credit report to cover the missing period. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. GAP Credit<br> - Seller-XX/XX/XXXX<br>| Resolved-Borrower X Gap Credit Report Provided.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX<br>| XXX XXXXXX.pdf |  |  | TX | Primary Residence | Purchase | NA | 6822400 | N/A | N/A |
| XXXX | 2122583 |  |  | Closed | 2025-12-23 05:14 | 2025-12-26 03:10 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Rental agreement with XX months bank statements provided showing rents paid. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Borrowers rental agreement with XX months bank statements showing rents paid - Seller-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Unable to verify XX months housing history for current address "XXXX X XXX X". Provide VOM or free and clear letter to verify the housing history for current address "XXXX X XXX X" - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Borrowers rental agreement with XX months bank statements showing rents paid - Seller-XX/XX/XXXX<br>| Resolved-Rental agreement with XX months bank statements provided showing rents paid. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXX XXXXXX XXXXXXXXX XXX XX XXXXXX XXXXXXXX.pdf |  |  | CA | Primary Residence | Purchase | NA | 6756630 | N/A | N/A |
| XXXX | 2122583 |  |  | Closed | 2025-12-23 05:24 | 2025-12-24 01:35 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Requested secondary valuation provided, updated & condition resolved.<br> - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXX XXX - XXXXXX-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per XXXXXXXXX requirements and CU Score, if present, is greater than X.X File needs a XXXXX or XXXXXX XXXXXXXXX/XXX report with a score less than X.X, or the file needs an Appraisal Desk Review.<br> - XXX XXXXXXXXX XX-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXX XXX - XXXXXX-XX/XX/XXXX<br>| Resolved-Requested secondary valuation provided, updated & condition resolved.<br> - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXXX XX-XX/XX/XXXX<br>| XXXXXXXXX XXXXXX XXX.pdf |  |  | CA | Primary Residence | Purchase | NA | 6756763 | N/A | N/A |
| XXXX | 2122571 |  |  | Closed | 2025-12-26 07:34 | 2026-01-05 08:26 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved- - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-DTI now meets XX requirements. Re-calc'd income removing XXX - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX and Income worksheet - XXXXXX-XX/XX/XXXX <br>Open-Audited DTI Exceeds Guideline DTI Lender DTI is XX.XX and Audited DTI is XX.XX. The difference is X.XX which results in audited DTI exceeding guideline max DTI of XX%.<br>This is because lender did not include REO rent loss of $XXX.XX for XXXXXXXXXXX XXXX property in their calculation. - XXX XXXXXXXXX XX-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX and Income worksheet - XXXXXX-XX/XX/XXXX<br>|  | XXXXX XXXX.pdf<br>XXXXX Income Worksheet.pdf |  |  | OK | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6810261 | N/A | N/A |
| XXXX | 2122565 |  |  | Closed | 2025-12-23 22:04 | 2026-01-02 03:49 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. cleared alerts - XXXXXX-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing uncleared alert, provide updated fraud report.<br> - XXX XXXXXXXXX XX-XX/XX/XXXX | Ready for Review-Document Uploaded. cleared alerts - XXXXXX-XX/XX/XXXX<br>| Resolved-All Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXX XX-XX/XX/XXXX<br>| XXXXXX Cleared Alerts.pdf |  |  | WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6779689 | N/A | N/A |
| XXXX | 2122565 |  |  | Closed | 2025-12-23 22:35 | 2025-12-26 12:32 | Resolved | 1 - Information A | Compliance | Mavent | Fees: Limited | Resolved-XXXXXXXXXX requires every borrower in a residential mortgage loan to pay an $XX Foreclosure Prevention Fee. The System did not find an $XX fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "XXXXXXXXXX Foreclosure Prevention Fee". "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (RCW XX.XX; RCW XX.XX.XXX(XX)) Loan failed for Foreclosure Prevention Fee as per final cd page XXX there is no $XX foreclosure prevention fee in title section, Provided Disclosure - Foreclosure Prevention Fee of $XX on page XXX. Also settlement statement addresses the fee. Finding resolved - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XX-XX/XX/XXXX |  | Resolved-XXXXXXXXXX requires every borrower in a residential mortgage loan to pay an $XX Foreclosure Prevention Fee. The System did not find an $XX fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "XXXXXXXXXX Foreclosure Prevention Fee". "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (RCW XX.XX; RCW XX.XX.XXX(XX)) Loan failed for Foreclosure Prevention Fee as per final cd page XXX there is no $XX foreclosure prevention fee in title section, Provided Disclosure - Foreclosure Prevention Fee of $XX on page XXX. Also settlement statement addresses the fee. Finding resolved - XXX XXXXXXXXX XX-XX/XX/XXXX<br>|  |  |  | WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6779824 | N/A | N/A |
| XXXX | 2122576 |  |  | Closed | 2025-12-25 11:01 | 2026-01-05 00:08 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation is missing in file, provided the same, changes made in system, Finding Resolved - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXX XXX - XXXXXX-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per XXXXXXXXX requirements and CU Score, if present, is greater than X.X The file is missing secondary valuation or additional valuation. Provide a XXXXX or XXXXXX XXXXXXXXX/XXX report with a score less than X.X, or an appraisal desk review.<br> - XXX XXXXXXXXX XX-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXX XXX - XXXXXX-XX/XX/XXXX<br>| Resolved-Secondary Valuation is missing in file, provided the same, changes made in system, Finding Resolved - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXXX XX-XX/XX/XXXX<br>| XXXXXXXXXXXX XXXXXX XXX.pdf |  |  | TX | Primary Residence | Purchase | NA | 6805711 | N/A | N/A |
| XXXX | 2122597 |  |  | Closed | 2025-12-28 23:37 | 2026-01-02 11:40 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XXXX) | Resolved- - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. valid COC XX/XX - XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Open-A Lender Credit for Excess Charges of ($XX.XX), Principal Reduction for Excess Charges of ($XX.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Provide COC for increased in lender credits. Lender increased from $XXX to $XXX.XX - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XX-XX/XX/XXXX | Ready for Review-Document Uploaded. valid COC XX/XX - XXXXXX-XX/XX/XXXX<br>| Resolved- - XXX XXXXXXXXX XX-XX/XX/XXXX<br>| XXXXXX XXXXXX COC.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6826092 | N/A | N/A |
| XXXX | 2122597 |  |  | Closed | 2025-12-28 22:55 | 2026-01-02 03:54 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared alerts - XXXXXX-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Fraud report reflecting uncleared alerts, per XXXX XXXXXXX guidelines dated XX/XX/XXXX, required updated fraud report. - XXX XXXXXXXXX XX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared alerts - XXXXXX-XX/XX/XXXX<br>| Resolved-All Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXX XX-XX/XX/XXXX<br>| XXXXXX Cleared Alerts.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6825917 | N/A | N/A |
| XXXX | 2122597 |  |  | Closed | 2025-12-28 23:37 | 2026-01-02 11:41 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien XXX)(Conforming) | Resolved-. - XXXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg XXX and the Final Closing disclosure on Pg XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg XXX, XXX and confirmation the appraisal was delivered to the borrower – see Pg XXX, XXX. The loan meets HPML guidelines, resolved. <br> - XXXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | _xXXXX_ | Resolved-. - XXXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg XXX and the Final Closing disclosure on Pg XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg XXX, XXX and confirmation the appraisal was delivered to the borrower – see Pg XXX, XXX. The loan meets HPML guidelines, resolved. <br> - XXXX XXXXXXXXX XXXXXXX-XX/XX/XXXX_xXXXX_ |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6826090 | N/A | N/A |
| XXXX | 2122597 |  |  | Closed | 2025-12-28 23:37 | 2026-01-02 11:40 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-. - XXXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-. - XXXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg XXX and the Final Closing disclosure on Pg XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg XXX, XXX and confirmation the appraisal was delivered to the borrower – see Pg XXX, XXX. The loan meets HPML guidelines, resolved. - XXXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | _xXXXX_ | Resolved-. - XXXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-. - XXXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg XXX and the Final Closing disclosure on Pg XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg XXX, XXX and confirmation the appraisal was delivered to the borrower – see Pg XXX, XXX. The loan meets HPML guidelines, resolved. - XXXX XXXXXXXXX XXXXXXX-XX/XX/XXXX_xXXXX_ |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6826091 | N/A | N/A |
| XXXX | 2122575 |  |  | Closed | 2025-12-29 00:38 | 2026-01-05 00:39 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud report has uncleared alerts, provided Updated fraud report, changes made in system, Finding Resolved<br> - XXXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-All Fraud Report Alerts have been cleared or None Exist - XXXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Cleared alerts - XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing uncleared alert, provide updated fraud report.<br> - XXXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared alerts - XXXXXX-XX/XX/XXXX_xXXXX_ | Resolved-Fraud report has uncleared alerts, provided Updated fraud report, changes made in system, Finding Resolved<br> - XXXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-All Fraud Report Alerts have been cleared or None Exist - XXXX XXXXXXXXX XXXXXXX-XX/XX/XXXX_xXXXX_ | XXXXX Cleared Alerts.pdf |  |  | TX | Primary Residence | Purchase | NA | 6826357 | N/A | N/A |
| XXXX | 2122575 |  |  | Closed | 2025-12-28 23:18 | 2026-01-05 00:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Finding added for Evidence of Property Tax Missing: As Tax value does not matches with Tax cert in file, as Loan is new Construction and tax Value calcuated on sales price which matches, Changes made in system, Finding Resolved<br> - XXXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-Evidence of Property Tax is present - XXXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Tax Cert updated. This is a purchase so tax rate % times the purchase price was used - XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-Missing Evidence of Property Tax Provide updated tax document as the provided one on page XXX tax amount is $XXXX.XX/XX = $XX.XX not matching with XXXX tax amount $XXX.XX which leads to DTI difference. - XXXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Tax Cert updated. This is a purchase so tax rate % times the purchase price was used - XXXXXX-XX/XX/XXXX_xXXXX_ | Resolved-Finding added for Evidence of Property Tax Missing: As Tax value does not matches with Tax cert in file, as Loan is new Construction and tax Value calcuated on sales price which matches, Changes made in system, Finding Resolved<br> - XXXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-Evidence of Property Tax is present - XXXX XXXXXXXXX XXXXXXX-XX/XX/XXXX_xXXXX_ | XXXXX Tax Certificate.pdf |  |  | TX | Primary Residence | Purchase | NA | 6826005 | N/A | N/A |
| XXXX | 2122575 |  |  | Closed | 2025-12-29 00:44 | 2026-01-05 00:38 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Tax value Mis match from Tax cert in file, Due to there is a DTI Discrepancy, tax value calculated from sale price as property is new construction, Now There is No DTI Discrepancy, changes made in system, Finding Resolved - XXXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Updated XXXX - XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is XX.XX% but Originator DTI is XX.XX%.Variance is X due to the difference in tax amount, our calculated tax amount as per tax document page XXX is $XXXX.XX/XX=$XX.XX not matching with the tax amount of $XXX.XX as per XXXX page XXX. - XXXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX - XXXXXX-XX/XX/XXXX_xXXXX_ | Resolved-Tax value Mis match from Tax cert in file, Due to there is a DTI Discrepancy, tax value calculated from sale price as property is new construction, Now There is No DTI Discrepancy, changes made in system, Finding Resolved - XXXX XXXXXXXXX XXXXXXX-XX/XX/XXXX_xXXXX_ | XXXXX XXXX.pdf |  |  | TX | Primary Residence | Purchase | NA | 6826378 | N/A | N/A |
| XXXX | 2122575 |  |  | Closed | 2025-12-28 23:18 | 2026-01-05 00:33 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. correct coverage amount - XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Provide updated title as the loan amount is less than actual loan amount in title page XXX. - XXXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. correct coverage amount - XXXXXX-XX/XX/XXXX_xXXXX_ | Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXXX XXXXXXXXX XXXXXXX-XX/XX/XXXX_xXXXX_ | XXXXX Preliminary Title Commitment.pdf |  |  | TX | Primary Residence | Purchase | NA | 6826006 | N/A | N/A |
| XXXX | 2122575 |  |  | Closed | 2025-12-29 00:57 | 2026-01-04 21:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Final Closing Disclosure Provided. - XXXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-TRID: Final Closing Disclosure Provided - XXXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Final CD - XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-TRID: Missing Final Closing Disclosure Provide final cd document as its missing in file. - XXXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Final CD - XXXXXX-XX/XX/XXXX_xXXXX_ | Resolved-Final Closing Disclosure Provided. - XXXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-TRID: Final Closing Disclosure Provided - XXXX XXXXXXXXX XXXXXXX-XX/XX/XXXX_xXXXX_ | XXXXX Final CD.pdf |  |  | TX | Primary Residence | Purchase | NA | 6826438 | N/A | N/A |
| XXXX | 2122611 |  |  | Closed | 2025-12-25 22:40 | 2026-01-09 07:15 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien XXX)(Conforming) | Resolved-Rate lock received - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Rate lock - Seller-XX/XX/XXXX <br>Counter-Rate lock missing, once we receive rate lock condition can be cleared - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. CE Findings - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX,XXX and the Final Closing disclosure on Pg #XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg #XXXXXXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #XX,XXX,XXX.<br>Rate lock missing - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Rate lock - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. CE Findings - Seller-XX/XX/XXXX<br>| Resolved-Rate lock received - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXXXXXXXXXX.pdf<br>XXXXXXXXXXXXXXXXXXXXXXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6806322 | N/A | N/A |
| XXXX | 2122611 |  |  | Closed | 2025-12-25 22:40 | 2026-01-09 07:14 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-Rate Lock received - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Rate lock - Seller-XX/XX/XXXX <br>Counter-Rate lock missing, once we receive rate lock condition can be cleared - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. CE Findings - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(XXX. XXX. XXXX XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX,XXX and the Final Closing disclosure on Pg #XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg #XXXXXXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #XX,XXX,XXX.<br>Rate lock missing - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Rate lock - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. CE Findings - Seller-XX/XX/XXXX<br>| Resolved-Rate Lock received - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXXXXXXXXXX.pdf<br>XXXXXXXXXXXXXXXXXXXXXXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6806324 | N/A | N/A |
| XXXX | 2122611 |  |  | Closed | 2025-12-25 22:40 | 2026-01-07 03:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Updated evidence of rate lock uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Rate Stack, XX/XX lock confirmation - Seller-XX/XX/XXXX <br>Open-Evidence of Rate Lock Missing Provided rate lock on page XXX dated XX/XX/XXXX and Initial LE dated XX/XX/XXXX on page XXX,XXX is not locked, Revised LE page XXX dated XX/XX/XXXX is locked, Provide rate lock dated XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Rate Stack, XX/XX lock confirmation - Seller-XX/XX/XXXX<br>| Resolved-Updated evidence of rate lock uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXXXXXXXXXXXXXXXXXX.pdf<br>XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX.PDF |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6806318 | N/A | N/A |
| XXXX | 2122611 |  |  | Closed | 2025-12-25 21:44 | 2026-01-06 02:09 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing uncleared alert, provide updated fraud report.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6806147 | N/A | N/A |
| XXXX | 2122611 |  |  | Closed | 2025-12-25 21:57 | 2026-01-06 02:08 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated XXXX with corrected DTI provided. DTI now matching. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX <br>Open-DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is XX.XX% but Originator DTI is XX.XX%.Variance is X.XX due to the $XX.XX reflecting as other in proposed monthly payment section in XXXX page XXX total PITIA is $XXXX.XX and our calculated total PITIA is $XXXX.XX different is $XX.XX, whereas our calculated DTI XX.XX% is matching with Mavent report page XXX. provide support document for $XX.XX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX<br>| Resolved-Updated XXXX with corrected DTI provided. DTI now matching. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6806180 | N/A | N/A |
| XXXX | 2122611 |  |  | Closed | 2025-12-25 21:31 | 2026-01-04 19:51 | Resolved | 1 - Information D A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-LCA (XXXXXXX SSR) uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXX SSR - score of X.X - Seller-XX/XX/XXXX <br>Open-For securitization, a second property valuation needs to be provided. File needs a XXXX and/or XXXXX UCDP/SSR report with scores less than X.X; or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXX SSR - score of X.X - Seller-XX/XX/XXXX<br>| Resolved-LCA (XXXXXXX SSR) uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXXXXXXXXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6806114 | N/A | N/A |
| XXXX | 2129769 |  |  | Closed | 2026-01-29 09:20 | 2026-02-06 07:54 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XXX) | Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-COC provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Pre Closing CD XX/XX - there was a change to the rate completed on XX/XX/XX disclosing the lender credit change.<br>- Seller-XX/XX/XXXX <br>Open-Need COC as the lender credit on the LE and initial CD state XX,XXX and the final provides credit in the amount of XX,XXX. Lender credit fees cannot decrease without a change of circumstance. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XX,XXX.XX). The Last CD shows a total lender credit amount of ($XX,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and - X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Pre Closing CD XX/XX - there was a change to the rate completed on XX/XX/XX disclosing the lender credit change.<br>- Seller-XX/XX/XXXX<br>| Resolved-COC provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX.pdf |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 7353110 | N/A | N/A |
| XXXX | 2129769 |  |  | Closed | 2026-01-29 09:20 | 2026-02-06 07:54 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (XXXX) | Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-COC uploaded - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. COC and revised LE sent on XX/XX due to the appraisal fee increase - XXXXXX-XX/XX/XXXX <br>Open-Need COC for appraisal fee fee of XXX on LE changing to XXXX on the initial and final CD. Also need confirmation that there are no revised initial CD's only have the LE, initial CD and final CD in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXXXXXXXX(e)(X); XX CFR XXXXXXXXXX(e)(X); XX CFR XXXXXXXXXX(f)(X)(X)). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. COC and revised LE sent on XX/XX due to the appraisal fee increase - XXXXXX-XX/XX/XXXX<br>| Resolved-COC uploaded - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XX XXXXXXXXXXX (X).xxx |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 7353111 | N/A | N/A |
| XXXX | 2129769 |  |  | Closed | 2026-01-29 09:20 | 2026-01-29 09:39 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved-. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The Initial Closing Disclosure Received Date of (XXXX-XX-XX) is not three business days before the consummation date of (XXXX-XX-XX). Three business days before the consummation date is (XXXXXXXX). Under XXXXXXXXXX X, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (XX CFR XXXXXXXXXX(f)(X)(X)(X)); XXXXXXXXXX(f)(X)(X)(X)) ICD - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 7353113 | N/A | N/A |
| XXXX | 2129769 |  |  | Closed | 2025-12-29 04:14 | 2026-01-29 08:49 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Document Uploaded. Hazard Insurance Seller certificate - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Hazard Insurance Seller certificate - XXXXXX-XX/XX/XXXX <br>Counter-If Replacement Cost Value (RCV) ≤ Loan Amount, then Coverage Amount Hazard Insurance ≥ RCV.<br> If XX% of RCV ≤ Loan Amount, then Coverage Amount Hazard Insurance ≥ Loan Amount.<br> If XX% of RCV > Loan Amount, then Coverage Amount Hazard Insurance ≥ XX% of RCV. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. RCE - XXXXXX-XX/XX/XXXX <br>Counter-XXXXXXXX Disclosure Form X is not acceptable for Non-QM loans. Hazard insurance coverage must meet investor minimum requirements. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Seller Certificate - XXXXXX-XX/XX/XXXX <br>Open-Hazard Insurance Coverage Amount of $XXXXXXX is less than Required Coverage Amount of $XXXXXXX and Guaranteed Replacement Coverage indicator is 'No' Hazard Insurance Coverage Amount of $XXXXXXX is less than Required Coverage Amount of $XXXXXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Hazard Insurance Seller certificate - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. RCE - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Seller Certificate - XXXXXX-XX/XX/XXXX<br>| Resolved-Document Uploaded. Hazard Insurance Seller certificate - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXX_XXXXXX XXXXXXXXXXX.xxx<br>XXX.xxx<br>XXXXXXXX_XXXXXX XXXXXXXXXXX XXXXXX XXX.xxx |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 6827332 | N/A | N/A |
| XXXX | 2129769 |  |  | Closed | 2025-12-29 04:41 | 2026-01-20 11:27 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Updated XXXX uploaded - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX - XXXXXX-XX/XX/XXXX <br>Counter-XXXX provided does not reflect the following corrections: Provide updated XXXX with below corrections X) Appraisal value $XXXXXXX X) Level of property review need to be check marked X) All other monthly payment & other as $X. Please provide updated XXXX with the listed corrections. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX - XXXXXX-XX/XX/XXXX <br>Counter-XXXX provided does not reflect the following corrections: Provide updated XXXX with below corrections X) Appraisal value $XXXXXXX X) Level of property review need to be check marked X) All other monthly payment & other as $X.<br> Please provide updated XXXX with the listed corrections. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX - XXXXXX-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Provided XXXX showing X) Appraisal value $XXXXXXX X) Level of property review not check marked X) All other monthly payment as $XXXX.XX & other as $XXX, Provide updated XXXX with below corrections X) Appraisal value $XXXXXXX X) Level of property review need to be check marked X) All other monthly payment & other as $X<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX - XXXXXX-XX/XX/XXXX<br>| Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Updated XXXX uploaded - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX.xxx<br>XXXX.xxx<br>XXXX.xxx |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 6827571 | N/A | N/A |
| XXXX | 2129769 |  |  | Closed | 2025-12-29 05:20 | 2026-01-05 07:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Initial CD XX/X - XXXXXX-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure One in file Initial Closing Disclosure is missing. Provide Initial Closing Disclosure. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Initial CD XX/X - XXXXXX-XX/XX/XXXX<br>|  | XXXXXXXX XXX XX.X.xxx |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 6827953 | N/A | N/A |
| XXXX | 2126852 |  |  | Closed | 2025-12-29 22:53 | 2026-01-20 07:22 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XXXX) | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Revised CD with COC XX.XX.XX - XXXXXX-XX/XX/XXXX <br>Counter-unable to open CD and COC - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Revised CD with COC and Seller Certificate - XXXXXX-XX/XX/XXXX <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit amount of ($X,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXXXXXXXX(e)(X)(X) and comments XX(e)(X)(X)-X and - X; XX CFR XXXXXXXXXX(f)(X)(X); XX CFR XXXXXXXXXX(g)(X); XX CFR XXXXXXXXXX(h)). Lender credit decreased from $XXXX.XX in Initial CD page XXX to $XXXX.XX in Final CD page XXX, COC not in file - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Revised CD with COC XX.XX.XX - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Revised CD with COC and Seller Certificate - XXXXXX-XX/XX/XXXX<br>| Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX XX XXXX XX.XX.XX.xxx<br>XXXXXXX_XXXXXX XXXXXXXXXXX.xxx<br>XXXXXXX XXXXXXX XX XXXX XX.XX.XX.xxx |  |  | AL | Primary Residence | Refinance | Cash Out - Other | 6846351 | N/A | N/A |
| XXXX | 2126852 |  |  | Closed | 2025-12-29 22:29 | 2026-01-12 04:23 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared alerts - XXXXXX-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared alerts - XXXXXX-XX/XX/XXXX<br>| Resolved-All Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX XXXXXX.xxx |  |  | AL | Primary Residence | Refinance | Cash Out - Other | 6846167 | N/A | N/A |
| XXXX | 2126852 |  |  | Closed | 2025-12-29 22:09 | 2026-01-05 07:18 | Resolved | 1 - Information A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the XXXX Page XXX is XXX, but the Qualifying FICO from the Credit Liabilities Page XXX is XXX, difference in Fico not impacting Max LTV - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX |  | Resolved-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the XXXX Page XXX is XXX, but the Qualifying FICO from the Credit Liabilities Page XXX is XXX, difference in Fico not impacting Max LTV - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX<br>|  |  |  | AL | Primary Residence | Refinance | Cash Out - Other | 6846050 | N/A | N/A |
| XXXX | 2122604 |  |  | Closed | 2025-12-31 00:39 | 2026-01-08 06:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Income Worksheet - Seller-XX/XX/XXXX <br>Counter-Document not uploaded. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Income Worksheet - Seller-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Income sheet is missing for B1, Provide income sheet document to verify the exact deposits and expenses factor. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Income Worksheet - Seller-XX/XX/XXXX <br>Ready for Review-Income Worksheet - Seller-XX/XX/XXXX<br>| Resolved-Validation Resolved' - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXXXXXXXX XXXXXX XXXXXXXX.pdf |  |  | WA | Primary Residence | Purchase | NA | 6866175 | N/A | N/A |
| XXXX | 2122604 |  |  | Closed | 2025-12-31 02:05 | 2026-01-07 06:45 | Resolved | 1 - Information C A | Compliance | Mavent | Fees: Limited | Open- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-Recording fee includes foreclosure prevention fee as listed on the settlement statement. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please reference the bottom of page X on the Final XXXX attached to see the $XX XX Foreclosure Fee. This fee was included on our CD in the Recording Fees (unable to break down separately). Please review to clear or escalate to XXXXXXX as this has come up before. - Seller-XX/XX/XXXX <br>Open-XXXXXXXXXX requires every borrower in a residential mortgage loan to pay an $XX Foreclosure Prevention Fee. The System did not find an $XX fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "XXXXXXXXXX Foreclosure Prevention Fee". "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the XXXXX in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (XXX XX.XX; XXX XX.XX.XXX(XX)) Recording fee not listed on CD, please advise if $XX recording fee is included. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please reference the bottom of page X on the Final XXXX attached to see the $XX XX Foreclosure Fee. This fee was included on our CD in the Recording Fees (unable to break down separately). Please review to clear or escalate to XXXXXXX as this has come up before. - Seller-XX/XX/XXXX<br>| Resolved-Recording fee includes foreclosure prevention fee as listed on the settlement statement. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXXXXXXXX XXXXX XX.pdf |  |  | WA | Primary Residence | Purchase | NA | 6866564 | N/A | N/A |
| XXXX | 2122604 |  |  | Closed | 2025-12-31 02:05 | 2026-01-07 06:45 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (XXXX) | Resolved- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXX - Seller-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX XXX XXXXXXX.XX(X)(X); XX XXX XXXXXXX.XX(X)(X); XX XXX XXXXXXX.XX(X)(X)). Points - Loan Discount Fee increased from $XXXXXXXX.XX in initial Cd page XXX to $XXXXXXXX.XX in Final Cd page XXX, Provide XXX for final cd to cure this fee. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. XXX - Seller-XX/XX/XXXX<br>| Resolved- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXXXXXXXX XXX XX-XX-XX.pdf |  |  | WA | Primary Residence | Purchase | NA | 6866567 | N/A | N/A |
| XXXX | 2122604 |  |  | Closed | 2025-12-31 02:05 | 2026-01-07 06:45 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 0XXX)(Conforming) | Resolved-. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXXXX.XX(X)(X)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXXX.XX(X)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, XXX's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX,XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #XXX,XXX. The loan meets XXXX guidelines, resolved.<br> - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX |  | Resolved-. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXXXX.XX(X)(X)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXXX.XX(X)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, XXX's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX,XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #XXX,XXX. The loan meets XXXX guidelines, resolved.<br> - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX<br>|  |  |  | WA | Primary Residence | Purchase | NA | 6866565 | N/A | N/A |
| XXXX | 2133264 |  |  | Closed | 2026-02-11 13:16 | 2026-02-24 07:40 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-reran compliance, passed - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open-A Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX |  | Resolved-reran compliance, passed - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX<br>|  |  |  | OH | Primary Residence | Purchase | NA | 7566845 | N/A | N/A |
| XXXX | 2133264 |  |  | Closed | 2025-12-30 22:04 | 2026-02-11 13:24 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX <br>Counter- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX <br>Counter- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX <br>Counter-Escalated for review. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Seller Certificate - Please provide additional information as to why Reinspection fee was included in your compliance test - Seller-XX/XX/XXXX <br>Open-The revised XXXX dated X/XX/XXXX disclosed finance charge of $XXX,XXX.XX is below the actual finance charge of $XXX,XXX.XX. Provide a revised XXXX. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open-The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($XXX,XXX.XX). The XXXX in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (XX XXX XXXXXXX.XX(X)(X); XXX XX(X)(X)-X) Provide an updated XXXX with revised finance charge. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Seller Certificate - Please provide additional information as to why Reinspection fee was included in your compliance test - Seller-XX/XX/XXXX<br>| Resolved- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXXXX_XXXXXX XXXXXXXXX.pdf |  |  | OH | Primary Residence | Purchase | NA | 6865217 | N/A | N/A |
| XXXX | 2133264 |  |  | Closed | 2025-12-30 22:04 | 2026-02-03 07:07 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Tolerance cure of $XXX.XX - XXXXXX-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Administration Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Provide COC for Increase in administration fee from $X,XXX TO $X,XXX. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Tolerance cure of $XXX.XX - XXXXXX-XX/XX/XXXX<br>| Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXXXX_XXXXXXXX XXXX.pdf |  |  | OH | Primary Residence | Purchase | NA | 6865219 | N/A | N/A |
| XXXX | 2133264 |  |  | Closed | 2025-12-30 23:54 | 2026-01-12 00:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Updated Lender Income Calculation Worksheet, Final XXXX & XXXX uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved' - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Income Worksheet with XXXX and XXXX - XXXXXX-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Income worksheet Income not matching with XXXX/XXXX and is partially corrupted. Provide Lender income worksheet for Income $X,XXX.XX with matching XXXX & XXXX. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Income Worksheet with XXXX and XXXX - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated Lender Income Calculation Worksheet, Final XXXX & XXXX uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved' - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXXXX XXXXXXXX XXXXXXXX.pdf<br>XXXX.XXXX.pdf |  |  | OH | Primary Residence | Purchase | NA | 6865912 | N/A | N/A |
| XXXX | 2133264 |  |  | Closed | 2025-12-30 22:04 | 2026-02-11 15:04 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 0XXX)(Conforming) | Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg XXX and the Final Closing disclosure on Pg XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg XXX, and confirmation the appraisal was delivered to the borrower – see Pg XXX-XXX, XXX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg XXX and the Final Closing disclosure on Pg XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg XXX, and confirmation the appraisal was delivered to the borrower – see Pg XXX-XXX, XXX. The loan meets HPML guidelines, resolved. <br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |  | Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg XXX and the Final Closing disclosure on Pg XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg XXX, and confirmation the appraisal was delivered to the borrower – see Pg XXX-XXX, XXX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg XXX and the Final Closing disclosure on Pg XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg XXX, and confirmation the appraisal was delivered to the borrower – see Pg XXX-XXX, XXX. The loan meets HPML guidelines, resolved. <br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>|  |  |  | OH | Primary Residence | Purchase | NA | 6865218 | N/A | N/A |
| XXXX | 2122560 |  |  | Closed | 2026-01-02 00:28 | 2026-01-08 06:47 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Proof for Gift Funds $XXXXX uploaded, Asset Record X Meets G/L Requirements, Verified - Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Gift funds - XXXXXX-XX/XX/XXXX <br>Open-Asset Record X Does Not Meet G/L Requirements We have Gift funds as per the Final XXXX & FINAL CD amount of $XX,XXX but we don't have proof of document in file. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Gift funds - XXXXXX-XX/XX/XXXX<br>| Resolved-Proof for Gift Funds $XXXXX uploaded, Asset Record X Meets G/L Requirements, Verified - Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX $XXk.pdf<br>XXXX $XXk.pdf |  |  | TX | Primary Residence | Purchase | NA | 6888724 | N/A | N/A |
| XXXX | 2122560 |  |  | Closed | 2026-01-01 23:43 | 2026-01-07 03:26 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Resolved-Initial Escrow Account Disclosure uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. IEADS - XXXXXX-XX/XX/XXXX <br>Open-Provide Initial Escrow Account Disclosure (IEAD) as tax and insurances are being escrowed but IEAD is not in file.<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. IEADS - XXXXXX-XX/XX/XXXX<br>| Resolved-Initial Escrow Account Disclosure uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXXXX XXXXXXX Initial Escrow Account Disclosure.pdf |  |  | TX | Primary Residence | Purchase | NA | 6888545 | N/A | N/A |
| XXXX | 2122560 |  |  | Closed | 2026-01-01 23:26 | 2026-01-06 06:07 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 0XXX)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s(Missing) and the Final Closing disclosure on Pg#'sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX,XXX,XXX. An interior and exterior appraisal was completed for this property – see pg#'sXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX,XXX. and confirmation the appraisal was delivered to the borrower – see Pg#'XXX,XXX. The loan meets HPML guidelines. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s(Missing) and the Final Closing disclosure on Pg#'sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX,XXX,XXX. An interior and exterior appraisal was completed for this property – see pg#'sXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX,XXX. and confirmation the appraisal was delivered to the borrower – see Pg#'XXX,XXX. The loan meets HPML guidelines. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>|  |  |  | TX | Primary Residence | Purchase | NA | 6888481 | N/A | N/A |
| XXXX | 2126855 |  |  | Closed | 2026-01-04 21:16 | 2026-01-12 20:54 | Resolved | 1 - Information C A | Credit | Credit | Deficient Income Documentation | Resolved-XXXX XXXX Acct#XXXX Business Bank statement uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Bank statement - XXXX XXXX - XXXXXX-XX/XX/XXXX <br>Open-Borrower is qualifying with XX months bank statements, verified only XX months bank statements XXXX XXXX statement is missing. Provide XXXX XXXX Acct#XXXX statement to complete XX months statements. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Bank statement - XXXX XXXX - XXXXXX-XX/XX/XXXX<br>| Resolved-XXXX XXXX Acct#XXXX Business Bank statement uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX XXXX XXXX.pdf |  |  | NJ | Primary Residence | Purchase | NA | 6908670 | N/A | N/A |
| XXXX | 2126855 |  |  | Closed | 2026-01-04 22:19 | 2026-01-09 06:10 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX - XXXXXX-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Provide updated XXXX as the provided one on page XXX,XXX.<br> X. Shows incorrect Income $XXXXX whereas our calculated income of $XXXXX is matching with final XXXX page XXX and income sheet page XXX, Leads to incorrect DTI Our calculated DTI is XX.XX% matching with XXXXXX report page XXX whereas XXXX showing XX.XX%.<br> X. As per XXXX P&I is $XXXX.XX whereas our calculated P&I is $XXXX.XX matching with Note page XXX and first payment letter page XXX and Final CD page XXX <br> X. As per XXXX Sales price is $XXXXXX whereas Sales price is $XXXXXX as per agreement page XXX and Final Cd page XXX.<br>- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX - XXXXXX-XX/XX/XXXX<br>| Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX XXXX.pdf |  |  | NJ | Primary Residence | Purchase | NA | 6908824 | N/A | N/A |
| XXXX | 2126855 |  |  | Closed | 2026-01-06 08:52 | 2026-01-09 06:08 | Resolved | 1 - Information C A | Credit | Debt | Mortgage history for primary residence less than 12 months | Resolved-Received LOX signed by party borrower residing with rent free. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. LOE - Rent free - XXXXXX-XX/XX/XXXX <br>Open-need letter from the party that borrower has been staying with for the past two years. One in file is prepared and signed by the borrower. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. LOE - Rent free - XXXXXX-XX/XX/XXXX<br>| Resolved-Received LOX signed by party borrower residing with rent free. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX XXXX XXXX.pdf |  |  | NJ | Primary Residence | Purchase | NA | 6934360 | N/A | N/A |
| XXXX | 2124098 |  |  | Closed | 2026-01-06 06:32 | 2026-01-08 13:03 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Transaction History received for the XXX mortgage showing at least XX consecutive payments. This will suffice. Housing History Meets XXXXXXXXX Requirements. Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. does this suffice? - XXXXXX-XX/XX/XXXX <br>Counter-Correct, the mortgage is not on the credit report, so Housing History was attempted to be verified from the mortgage statement provided. The mortgage statement dated XXXXXXX X, XXXX shows that a total of $X,XXX.XX has been paid YTD ÷ the $XXX.XX regular payment amount = XX.X months. For an October statement to show XX months of payments shows that all payments in XXXX had been paid. But it's only XX payments. XX months are required. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. the primary residence is under a trust - uploaded property tax records for proof - which is why this isn't reflected on credit report. - XXXXXX-XX/XX/XXXX <br>Open-Housing History Does Not Meet XXXXXXXXX Requirements Per XXXXXXXXX for Housing History: "A XXX must be obtained for primary and subject property." Unable to verify XX-month Housing History for the borrower's primary residence. Borrower residences at XX XXXXXXXX XXX. A Mortgage statement was provided to show a mortgage with XXX that is not reporting on the credit report. The mortgage statement shows $X,XXX.XX was paid YTD / $XXX.XX regular payment = XX.XXX months of payments. There is no XXX in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. does this suffice? - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. the primary residence is under a trust - uploaded property tax records for proof - which is why this isn't reflected on credit report. - XXXXXX-XX/XX/XXXX<br>| Resolved-Transaction History received for the XXX mortgage showing at least XX consecutive payments. This will suffice. Housing History Meets XXXXXXXXX Requirements. Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXX XXXX-XX-XX XXXXXX.jpg<br>XXX XXXXXXX (X).pdf |  |  | PA | Investment | Refinance | Cash Out - Other | 6931484 | N/A | N/A |
| XXXX | 2126842 |  |  | Closed | 2026-01-06 01:45 | 2026-01-14 01:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Right of Rescission | Resolved-Right to Cancel uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Notice of Right to Cancel document - XXXXXX-XX/XX/XXXX <br>Open-Right of Rescission is Missing Provide Right To Cancel document as it is missing from file. <br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Notice of Right to Cancel document - XXXXXX-XX/XX/XXXX<br>| Resolved-Right to Cancel uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6929144 | N/A | N/A |
| XXXX | 2126842 |  |  | Closed | 2026-01-06 00:38 | 2026-01-14 01:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Updated Borrower X Photo Identification uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXXX XXX Disclosure - XXXXXX-XX/XX/XXXX <br>Open-Provie updated photo id as the one in file has an expiration date as XX/XX/XXXX which is expired before the note date of XX/XX/XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXXX XXX Disclosure - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated Borrower X Photo Identification uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX XXX XXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6928645 | N/A | N/A |
| XXXX | 2126842 |  |  | Closed | 2026-01-06 00:36 | 2026-01-14 01:34 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. cleared alerts - XXXXXX-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alerts. The required cleared report is missing.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. cleared alerts - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX XXXXXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6928633 | N/A | N/A |
| XXXX | 2126842 |  |  | Closed | 2026-01-06 00:24 | 2026-01-12 04:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-PUD Rider uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. PUD Rider - XXXXXX-XX/XX/XXXX <br>Open-PUD Rider is Missing Provide PUD rider as it is not in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. PUD Rider - XXXXXX-XX/XX/XXXX<br>| Resolved-PUD Rider uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXX_PUD.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6928581 | N/A | N/A |
| XXXX | 2126842 |  |  | Closed | 2026-01-05 23:59 | 2026-01-12 04:45 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Deed of Trust uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Deed of Trust - Seller-XX/XX/XXXX <br>Open-The Deed of Trust is Missing Provide Deed of trust document as it is missing from file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Deed of Trust - Seller-XX/XX/XXXX<br>| Resolved-Deed of Trust uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXX_SXXXXXXXXXXXXXXXXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6928437 | N/A | N/A |
| XXXX | 2126842 |  |  | Closed | 2026-01-06 00:24 | 2026-01-12 00:22 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-LCA (XXXXXXX XXX) uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXXX XXX - LCA score of X - Seller-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X The file is missing secondary valuation or additional valuation. Provide a XXXXX or XXXXX UCDP/SSR report with a score less than X.X, or an appraisal desk review.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXXX XXX - LCA score of X - Seller-XX/XX/XXXX<br>| Resolved-LCA (XXXXXXX XXX) uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXX_XXXXXXXXXXX XXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6928580 | N/A | N/A |
| XXXX | 2126843 |  |  | Closed | 2026-01-14 06:52 | 2026-01-14 06:58 | Resolved | 1 - Information C A | Compliance | Mavent | NJ Fee Not Allowed- Document Preparation Fee (Fee ID: 104) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open-Section X:X-XX.X of the New Jersey Mortgage Loans, Fees, Obligations Provisions (N.J.A.C. X:X-XX.X) does not allow Document Preparation Fee (Fee ID: XXX) to be charged to the Borrower in NJ. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | NJ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7083656 | N/A | N/A |
| XXXX | 2126843 |  |  | Closed | 2026-01-06 23:45 | 2026-01-14 06:53 | Resolved | 1 - Information C A | Compliance | Fees:Limited | New Jersey - Recording Service Fee (MLFOP)(First Lien) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Compliance Ease Report and Seller certificate - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-You charged a ($XX.XX) Recording Service Fee. The New Jersey Residential Mortgage Loans, Fees, Obligations Provisions limit the amount of the additional service fee for recording a cancellation of a mortgage to $XX. (N.J.A.C. X:X-XX.X(a)(X)) Recording Release/ Service fee of $XX is being charged on final CD, hence updated the same. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Compliance Ease Report and Seller certificate - Seller-XX/XX/XXXX<br>| Resolved- - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXX.pdf<br>XXXXX_XXXXXXXXXXXXXXXXXX.pdf |  |  | NJ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6951386 | N/A | N/A |
| XXXX | 2126843 |  |  | Closed | 2026-01-06 23:27 | 2026-01-14 06:31 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-received updated income worksheets - resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXX.XXXX - we are not omitting anything XXXX/XXXX - Seller-XX/XX/XXXX <br>Open-Audited HTI & DTI are XX.XX% & XX.XX% whereas lender HTI & DTI are XX.XX% & XX.XX%. The difference is XX.XX% & XX.XX%.<br>This is because lender considered BX income as $XX,XXX whereas per our review it is only $X,XXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXX.XXXX - we are not omitting anything XXXX/XXXX - Seller-XX/XX/XXXX<br>| Resolved-received updated income worksheets - resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX.XXXX.pdf |  |  | NJ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6951292 | N/A | N/A |
| XXXX | 2126843 |  |  | Closed | 2026-01-06 23:06 | 2026-01-14 06:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated income worksheet for BX/BX. XXXX.XXXX - Seller-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender income calculation worksheet on page #XXX is not showing legible numbers to verify exact deposits. Per the final XXXX and XXXX, BX monthly income is $XX,XXX. Provide updated lender worksheet validating this income. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated income worksheet for BX/BX. XXXX.XXXX - Seller-XX/XX/XXXX<br>| Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX<br>| Income Calculation Worksheet - BX.pdf<br>Income Calculation Worksheet - BX.pdf<br>XXXX.XXXX.pdf |  |  | NJ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6951175 | N/A | N/A |
| XXXX | 2126843 |  |  | Closed | 2026-01-06 00:41 | 2026-01-14 01:21 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Right of Rescission | Resolved-Right to Cancel uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Notice of Right to Cancel - Seller-XX/XX/XXXX <br>Open-Right of Rescission is Missing Provide Right to Cancel document as it is missing from file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Notice of Right to Cancel - Seller-XX/XX/XXXX<br>| Resolved-Right to Cancel uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX.pdf |  |  | NJ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6928662 | N/A | N/A |
| XXXX | 2126843 |  |  | Closed | 2026-01-05 04:28 | 2026-01-14 01:21 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXXXX.XXX |  |  | NJ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6910414 | N/A | N/A |
| XXXX | 2126843 |  |  | Closed | 2026-01-05 23:49 | 2026-01-09 03:07 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Resolved-IEAD provided. Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. IEAD - Seller-XX/XX/XXXX <br>Open-Provide Initial Escrow Account Disclosure (IEAD) as tax and insurances are being escrowed but IEAD is missing in the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. IEAD - Seller-XX/XX/XXXX<br>| Resolved-IEAD provided. Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX_XXXX.XXX |  |  | NJ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6928324 | N/A | N/A |
| XXXX | 2122596 |  |  | Closed | 2026-01-06 21:40 | 2026-01-12 08:25 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Right to Receive Appraisal | Resolved-received proof appraisal delivered to borrower - resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Proof of Delivery - Seller-XX/XX/XXXX <br>Open-Provide Right to receive appraisal disclosure. Right to receive appraisal disclosure missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Proof of Delivery - Seller-XX/XX/XXXX<br>| Resolved-received proof appraisal delivered to borrower - resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXX XXXXX XX XXXXXXXX.XXX |  |  | TX | Primary Residence | Purchase | NA | 6950645 | N/A | N/A |
| XXXX | 2122596 |  |  | Closed | 2026-01-06 21:52 | 2026-01-12 00:09 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Final CD showing XXXXXXXX was paid at closing. Bringing DTI to XX.XX%, DTI matches the XXXX, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final CD showing XXXXXXXX was paid at closing. Bringing DTI to XX.XX% - Seller-XX/XX/XXXX <br>Open-DTI variance more than X% due to all other monthly payment discrepancy between XXXX $XXX & CBR $XXX, Actual calculation as follows - PITIA $XXXX.X+ $XXX (Monthly payment)=$XXXX.X/$XXXXX.XX=XX.XX% DTI, Originator DTI XX.XX%<br> (Difference is the XXXXXXXX payment of XXX not being included) - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final CD showing XXXXXXXX was paid at closing. Bringing DTI to XX.XX% - Seller-XX/XX/XXXX<br>| Resolved-Final CD showing XXXXXXXX was paid at closing. Bringing DTI to XX.XX%, DTI matches the XXXX, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX XX.XXX |  |  | TX | Primary Residence | Purchase | NA | 6950697 | N/A | N/A |
| XXXX | 2122596 |  |  | Closed | 2026-01-06 01:50 | 2026-01-09 03:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Final XXXX provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. FINAL XXXX<br> - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Missing signed final XXXX not in file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. FINAL XXXX<br> - Seller-XX/XX/XXXX<br>| Resolved-Final XXXX provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX_XXXX.XXX |  |  | TX | Primary Residence | Purchase | NA | 6929155 | N/A | N/A |
| XXXX | 2122596 |  |  | Closed | 2026-01-06 12:09 | 2026-01-12 09:26 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 0XXX)(Conforming) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly Borrower is Escrowing, escrow disclosures and loan information is on Pg XXX and the Final Closing disclosure on Pg#'sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg# XX-XX , Appraisal Disclosure missing in file and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly Borrower is Escrowing, escrow disclosures and loan information is on Pg XXX and the Final Closing disclosure on Pg#'sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg# XX-XX , Appraisal Disclosure missing in file and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | TX | Primary Residence | Purchase | NA | 6941417 | N/A | N/A |
| XXXX | 2126846 |  |  | Closed | 2026-01-08 06:53 | 2026-01-13 03:54 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XX/XX/XXXX on page#XX a clear fraud report is required. The fraud report in file pg#XXX is showing a High/Medium/Low alert. The required cleared report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX<br>| Resolved-All Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX XXXXXX XXXXXX.XXX |  |  | IL | Primary Residence | Purchase | NA | 6979795 | N/A | N/A |
| XXXX | 2122569 |  |  | Closed | 2026-01-07 09:05 | 2026-01-12 04:33 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-CU (XXXXXX XXX) uploaded, verified & entered in system - Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XXXX SSR - score of X - Seller-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per XXXXXXXXX requirements and CU Score, if present, is greater than X.X Per the XXXXXXXXX version XX/XX/XXXX on page#XX, Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per XXXXXXXXX requirements and CU Score, if present, is greater than X.X • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a XXXX or XXXXXX XXXXXXXX report with a score less than X.X, or the file needs an Appraisal Desk Review.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-XXXX SSR - score of X - Seller-XX/XX/XXXX<br>| Resolved-CU (XXXXXX XXX) uploaded, verified & entered in system - Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXX XXXXXX XXX.pdf |  |  | IL | Primary Residence | Purchase | NA | 6960714 | N/A | N/A |
| XXXX | 2122569 |  |  | Closed | 2026-01-07 09:42 | 2026-01-12 04:32 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XXXXXXXXX Version XX/XX/XXXX on page#XX a clear fraud report is required. The fraud report in file pg#XXX is showing a High alert. The required cleared report is missing.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXX XXXXXX XXXXXX.pdf |  |  | IL | Primary Residence | Purchase | NA | 6961599 | N/A | N/A |
| XXXX | 2126845 |  |  | Closed | 2026-01-11 23:20 | 2026-01-20 03:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-There are uncleared alerts in Fraud report, provided Updated Fraud report, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Third Party Fraud Report is provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX <br>Open-Missing Third Party Fraud Report Per the XX XX-XX-XXXX page #XX a clear fraud report is required. Provide the required clear fraud report.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX<br>| Resolved-There are uncleared alerts in Fraud report, provided Updated Fraud report, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Third Party Fraud Report is provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXX XXXXXX.pdf |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 7029314 | N/A | N/A |
| XXXX | 2126845 |  |  | Closed | 2026-01-11 22:48 | 2026-01-20 03:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap Credit Report is missing in file, Provided the same, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. GAP Credit - Seller-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing As per XXXXXXXXX XX-XX-XXXX page #XX A gap credit report is required no more than XX days prior to loan closing or any time after closing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. GAP Credit - Seller-XX/XX/XXXX<br>| Resolved-Gap Credit Report is missing in file, Provided the same, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXX XXXXXX.pdf |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 7029144 | N/A | N/A |
| XXXX | 2126844 |  |  | Closed | 2026-01-11 21:42 | 2026-01-21 05:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Final XXXX provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final XXXX - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Missing Provide Final XXXX with borrower signature. Borrower signature missing in final XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Final XXXX - Seller-XX/XX/XXXX<br>| Resolved-Final XXXX provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXX XXXX.pdf |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 7028586 | N/A | N/A |
| XXXX | 2126844 |  |  | Closed | 2026-01-11 21:55 | 2026-01-16 01:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Recorded Mortgage uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Evidence of Mortgage Recording is present or Mortgage has been sent for Recording - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Recorded Mortgage - Seller-XX/XX/XXXX <br>Open-Missing evidence of Mortgage recording Provide evidence of mortgage recording sent. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Recorded Mortgage - Seller-XX/XX/XXXX<br>| Resolved-Recorded Mortgage uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Evidence of Mortgage Recording is present or Mortgage has been sent for Recording - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXX-XX-XXXX XXXXXXXX.pdf |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 7028673 | N/A | N/A |
| XXXX | 2126844 |  |  | Closed | 2026-01-11 22:02 | 2026-01-16 01:37 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title coverage is less than loan amount, provided updated Title, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Title Policy - Seller-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Provide Final Title commitment with sufficient coverage amount. Title coverage amount is less than loan amount. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Title Policy - Seller-XX/XX/XXXX<br>| Resolved-Title coverage is less than loan amount, provided updated Title, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXX-XX-XXXX XXXX XXXXXX.pdf |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 7028727 | N/A | N/A |
| XXXX | 2126844 |  |  | Closed | 2026-01-11 22:53 | 2026-01-15 01:39 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-LCA (XXXXXXX XXX) uploaded, verified & entered in system - Resolved. - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXXX XXX - Seller-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per XXXXXXXX requirements and CU Score, if present, is greater than X.X Provide Secondary valuation. Secondary valuation missing in file. - XXX XXXXXXXXX XXX-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXXX XXX - Seller-XX/XX/XXXX<br>| Resolved-LCA (XXXXXXX XXX) uploaded, verified & entered in system - Resolved. - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXXX XXX-XX/XX/XXXX<br>| XXXXXXXX_XXXXXXX XXX.pdf |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 7029166 | N/A | N/A |
| XXXX | 2126849 |  |  | Closed | 2026-01-13 06:03 | 2026-03-03 17:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Partially Provided | Resolved-Flood Insurance Policy is fully present - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Resolved-Document Uploaded. Flood insurance - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Flood insurance - Seller-XX/XX/XXXX <br>Counter-Flood Insurance Policy Partially Provided. Provide the updated Flood insurance Policy, Provided Standard Policy Quote Invoice. - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Compliance ease report - Seller-XX/XX/XXXX <br>Open-Flood Insurance Policy Partially Provided Provide the updated Flood insurance Policy, Provided Standard Policy Quote Invoice. - XXX XXXXXXXXX XXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Flood insurance - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Compliance ease report - Seller-XX/XX/XXXX<br>| Resolved-Flood Insurance Policy is fully present - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Resolved-Document Uploaded. Flood insurance - XXX XXXXXXXXX XXX-XX/XX/XXXX<br>| XXXXXXXX (X).pdf<br>XXXXX XXXXXX.pdf |  |  | TX | Second Home | Purchase | NA | 7058025 | N/A | N/A |
| XXXX | 2126849 |  |  | Closed | 2026-01-13 06:19 | 2026-01-16 04:34 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XXXXXXXX Version XX/XX/XXXX on page#XX a clear fraud report is required. The fraud report in file pg#XXX is showing a High alert. The required cleared report is missing.<br> - XXX XXXXXXXXX XXX-XX/XX/XXXX | Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX<br>| Resolved-All Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXX XXX-XX/XX/XXXX<br>| XXXXXXX XXXXXX.pdf |  |  | TX | Second Home | Purchase | NA | 7058335 | N/A | N/A |
| XXXX | 2124102 |  |  | Closed | 2026-01-16 10:29 | 2026-01-27 11:00 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of X.XX month(s) are greater than or equal to XXXXXXXX Required Reserves of X month(s) - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Resolved-Copies of Cashiers checks & Wire Receipt was received. Assets updated. - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. The $XX,XXX.XX withdrawal was for the purchase. Please see check and wire confirmation - Seller-XX/XX/XXXX <br>Counter-The loan closed X/XX/XXXX. The XXXX XX XXXXXXX #XXXX statement (XX/XX/XXXX - X/XX/XXXX) had a beginning balance on XX/XX/XXXX of $XX,XXX.XX. Adding XX deposits of $XX,XXX.XX from the beginning through X/XX/XXXX and then subtracting XX withdrawals of $XX,XXX.XX through X/XX/XXXX would leave a balance at the beginning of the day of X/XX/XXXX of $X,XXX.XX ($XX,XXX.XX + $XX,XXX.XX - $XX,XXX.XX). Unable to determine the stated $XX,XXX.XX. - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Ready for Review-Same applies for the cash to close condition addressed. At the time of closing there was $XXX,XXX.XX and we need $XXX,XXX.XX for cash to close plus reserves - Seller-XX/XX/XXXX <br>Counter-Updated Bank Statement received from XXXX XX XXXXXXX #XXXX and a HUD-X showing cash out from another property. Assets are now as follows: XXXX XX XXXXXXX #XXXX X/XX/XXXX of $X,XXX.XX + PITI reserves on the HUDX of $X.XX + Tax Reserves on the HUD of $X,XXX.XX + Insurance reserves on the HUD of $XX.XX + XXXX XXXXXX XXXX XXXXXXXXXX Net Cash Value of $X,XXX.XX + Cash Out from XXX XXXXX XX XX XX of $XX,XXX.XX = $XX,XXX.XX. This is still not enough to cover the Cash to Close of $XX,XXX.XX on this loan, which also leaves less than $X for reserves. - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. the borrower also used the proceeds from his refi on another property for liquidity - see attached HUD and bank statement - Seller-XX/XX/XXXX <br>Counter-XXXX XXXXXX XXXX XXXXXXXXXX received. Net Cash Value for XXXX was $X,XXX.XX. However, the loan was short assets by $XX,XXX.XX. Therefore, the loan is still short assets. - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Audited Reserves of month(s) are less than XXXXXXXX Required Reserves of X month(s) The loan is short an amount needed for Reserves. Reserves needed are X months PITIA or $X,XXX.XX x X = $X,XXX.XX. Assets provided are XXXX XX XXXXXXX #XXXX for $XX,XXX.XX + X months PITI Reserves on the Settlement Statement of $X.XX + Tax Reserves on the Settlement Statement for $X,XXX.XX + Insurance Reserves on the Settlement Statement for $XX.XX = $XX,XXX.XX total assets provided. Minus the $XX,XXX.XX Cash to Close = $-XX,XXX.XX. Therefore, the loan short Assets by $XX,XXX.XX. - XXX XXXXXXXXX XXX-XX/XX/XXXX | Ready for Review-Document Uploaded. The $XX,XXX.XX withdrawal was for the purchase. Please see check and wire confirmation - Seller-XX/XX/XXXX <br>Ready for Review-Same applies for the cash to close condition addressed. At the time of closing there was $XXX,XXX.XX and we need $XXX,XXX.XX for cash to close plus reserves - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. the borrower also used the proceeds from his refi on another property for liquidity - see attached HUD and bank statement - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Audited Reserves of X.XX month(s) are greater than or equal to XXXXXXXX Required Reserves of X month(s) - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Resolved-Copies of Cashiers checks & Wire Receipt was received. Assets updated. - XXX XXXXXXXXX XXX-XX/XX/XXXX<br>| XXXXX XXXX XXXXXX.pdf<br>XXXXX_XXXX-XX-XX.pdf<br>XXX final hud.pdf<br>XXXX.pdf<br>XXXXXX.pdf |  |  | NJ | Investment | Purchase | NA | 7141083 | N/A | N/A |
| XXXX | 2124102 |  |  | Closed | 2026-01-16 10:32 | 2026-01-25 07:57 | Resolved | 1 - Information C A | Credit | Assets Insufficient | Assets are not sufficient to close | Resolved-Copies of Cashiers checks & Wire Receipt was received. Assets updated. - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. the withdrawals are related to the closing. Please see attached - Seller-XX/XX/XXXX <br>Counter-The loan closed X/XX/XXXX. The XXXX XX XXXXXXX #XXXX statement (XX/XX/XXXX - X/XX/XXXX) had a beginning balance on XX/XX/XXXX of $XX,XXX.XX. Adding XX deposits of $XX,XXX.XX from the beginning through X/XX/XXXX and then subtracting XX withdrawals of $XX,XXX.XX through X/XX/XXXX would leave a balance at the beginning of the day of X/XX/XXXX of $X,XXX.XX ($XX,XXX.XX + $XX,XXX.XX - $XX,XXX.XX). Unable to determine the stated $XX,XXX.XX. - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Ready for Review-The purchase occurred prior to the end date of this statement. We closed X/X and this statement ends X/XX. At the time of closing this account had $XX,XXX.XX (December ending balance plus deposits and minus withdraws leading up to X/X). Cash out proceeds from XXX X XX XX = $XX,XXX.XX + life insurance = $X,XXX.XX. Total assets at the time of closing total $XXX,XXX.XX which is enough to cover cash to close and X months PITIA which total $XXX,XXX.XX. - Seller-XX/XX/XXXX <br>Counter-Updated Bank Statement received from XXXX XX XXXXXXX #XXXX and a HUD-X showing cash out from another property. Assets are now as follows: XXXX XX XXXXXXX #XXXX X/XX/XXXX of $X,XXX.XX + PITI reserves on the HUDX of $X.XX + Tax Reserves on the HUD of $X,XXX.XX + Insurance reserves on the HUD of $XX.XX + XXXX XXXXXX XXXX XXXXXXXXXX Net Cash Value of $X,XXX.XX + Cash Out from XXX XXXXX XX XX XX of $XX,XXX.XX = $XX,XXX.XX. This is still not enough to cover the Cash to Close of $XX,XXX.XX on this loan, which also leaves less than $X for reserves. - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. the borrower also used the proceeds from his refi on another property for liquidity - see attached HUD and bank statement - Seller-XX/XX/XXXX <br>Counter-XXXX XXXXXX XXXX XXXXXXXXXX received. Net Cash Value for XXXX was $X,XXX.XX. However, the loan was short assets by $XX,XXX.XX. Therefore, the loan is still short assets. - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Loan is short the amount needed to Close. Per the Final Settlement Statement dated X/XX/XXXX, $XX,XXX.XX is needed from the borrower. The only assets provided were XXXX XX XXXXXXX #XXXX dated XX/XX/XXXX in the amount of $XX,XXX.XX. Therefore, the loan is short funds to close by $XX,XXX.XX. - XXX XXXXXXXXX XXX-XX/XX/XXXX | Ready for Review-Document Uploaded. the withdrawals are related to the closing. Please see attached - Seller-XX/XX/XXXX <br>Ready for Review-The purchase occurred prior to the end date of this statement. We closed X/X and this statement ends X/XX. At the time of closing this account had $XX,XXX.XX (December ending balance plus deposits and minus withdraws leading up to X/X). Cash out proceeds from XXX X XX XX = $XX,XXX.XX + life insurance = $X,XXX.XX. Total assets at the time of closing total $XXX,XXX.XX which is enough to cover cash to close and X months PITIA which total $XXX,XXX.XX. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. the borrower also used the proceeds from his refi on another property for liquidity - see attached HUD and bank statement - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Copies of Cashiers checks & Wire Receipt was received. Assets updated. - XXX XXXXXXXXX XXX-XX/XX/XXXX<br>| XXXXX XXXX XXXXXX.pdf<br>XXXXX_XXXX-XX-XX.pdf<br>XXX final hud.pdf<br>XXXXXX.pdf<br>XXXX.pdf |  |  | NJ | Investment | Purchase | NA | 7141168 | N/A | N/A |
| XXXX | 2124102 |  |  | Closed | 2026-01-16 09:47 | 2026-01-20 13:08 | Resolved | 1 - Information C A | Credit | Insurance | Master Policy Expiration Date is Prior To the Transaction Date | Resolved-Master Policy Expiration Date of XX-XX-XXXX is Equal to or After the Transaction Date of XX-XX-XXXX Or Master Policy Expiration Date Is Not Provided - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-The document provided was for the borrower's HOX insurance coverage. The finding was for the Condominium Project's Master Policy. - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Master Policy Expiration Date of XX-XX-XXXX is Prior To the Transaction Date of XX-XX-XXXX The Condo Master policy (with 'XXXXXXX XXX XXXX XXXXXXXXXXX') expired on X/XX/XXXX. The Note date wasn't until X/XX/XXXX. - XXX XXXXXXXXX XXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Master Policy Expiration Date of XX-XX-XXXX is Equal to or After the Transaction Date of XX-XX-XXXX Or Master Policy Expiration Date Is Not Provided - XXX XXXXXXXXX XXX-XX/XX/XXXX<br>| XXXXXXX XXXXX XX XXXXXXXX.pdf<br>XXXXXX XXXXX XX (X).pdf |  |  | NJ | Investment | Purchase | NA | 7140305 | N/A | N/A |
| XXXX | 2124104 |  |  | Closed | 2026-01-16 07:17 | 2026-01-20 13:03 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Pro Forma Title Policy received with Title Coverage Amount of $XX,XXX. - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXX is Less than Loan Amount Title Coverage Amount on the Title Commitment of $XX,XXX is less than the Loan Amount of $XX,XXX. - XXX XXXXXXXXX XXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Pro Forma Title Policy received with Title Coverage Amount of $XX,XXX. - XXX XXXXXXXXX XXX-XX/XX/XXXX<br>| XXXX proforma.pdf |  |  | OH | Investment | Refinance | Cash Out - Other | 7135290 | N/A | N/A |
| XXXX | 2124104 |  |  | Closed | 2026-01-20 06:31 | 2026-01-20 13:01 | Resolved | 1 - Information C A | Credit | Credit | Deficient title documentation and/or endorsements | Resolved-Deed was received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-File is missing the Warranty Deed at Closing to transfer current ownership of "XXXXXX XXXXXXXXX" into the new vested ownership of "XXX XXXXX XXXXX, an XXXXX limited liability company" - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Deed was received. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX (X).XXX |  |  | OH | Investment | Refinance | Cash Out - Other | 7176888 | N/A | N/A |
| XXXX | 2126850 |  |  | Closed | 2026-01-14 06:27 | 2026-01-20 03:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Missing | Resolved-Requested Note document provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Note - Seller-XX/XX/XXXX <br>Open-The Note is Missing Final Note document is missing provide an updated Note document. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Note - Seller-XX/XX/XXXX<br>| Resolved-Requested Note document provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX XXXX.XXX |  |  | AK | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7083310 | N/A | N/A |
| XXXX | 2123468 |  |  | Closed | 2026-01-20 05:01 | 2026-03-03 17:28 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Borrower 1 Business Bank Statements Less Than 12 Months Provided | Waived-Exception received for the credit deficiency. Finding has been waived - Due Diligence Vendor-XX/XX/XXXX <br>Waived-X. XX.XX% DTI is below Maximum XX% DTI.<br> X. Housing history X X XX for over XX months. <br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Buyer-XX/XX/XXXX <br>Open-Borrower provided Business Bank Statements Less Than XX Months. - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Exception received for the credit deficiency. Finding has been waived - Due Diligence Vendor-XX/XX/XXXX <br>Waived-X. XX.XX% DTI is below Maximum XX% DTI.<br> X. Housing history X X XX for over XX months. <br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX XXXXXXXXX XXXXXX XXXXXXXXX XXXXX XXXXXX.XXX |  | X.XX.XX% DTI is below Maximum XX% DTI. <br> X. Housing history X X XX for over XX months. | FL | Primary Residence | Purchase | NA | 7175157 | Originator Post-Close | Yes |
| XXXX | 2124097 |  |  | Closed | 2026-01-20 01:27 | 2026-01-22 17:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Property Taxes for Lot XX received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. screen shot from second parcel taxes uploaded. Roughly XXXX/yr. - Seller-XX/XX/XXXX <br>Counter-Lots XXXXX & XXXXX. The only Tax Cert provided was for Lot XX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-this property resides on two tax lots - the additional ~Xk was calculating in the second lot taxes. - Seller-XX/XX/XXXX <br>Open-Missing Evidence of Property Tax The Qualifying Property Tax Amount of $X,XXX.XX is not matching the Tax Cert (from the XXX XXXXXX Tax & Assessment Search). Additional verifying document and/or Lender's calculation is missing from the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. screen shot from second parcel taxes uploaded. Roughly XXXX/yr. - Seller-XX/XX/XXXX <br>Ready for Review-this property resides on two tax lots - the additional ~Xk was calculating in the second lot taxes. - Seller-XX/XX/XXXX<br>| Resolved-Property Taxes for Lot XX received. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXX XX-XX-XX XXXXXX.XXX |  |  | NJ | Investment | Purchase | NA | 7173838 | N/A | N/A |
| XXXX | 2124097 |  |  | Closed | 2026-01-20 01:39 | 2026-01-22 13:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-The Final/Executed ALTA Settlement Statement was received. System updated. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Final HUD-X Document is Preliminary/Estimated Only. The ALTA Combined Settlement Statement that was provided is not signed by either the Borrower/Guarantor nor the Settlement Agent. Audit is unable to determine if this is the Final statement. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-The Final/Executed ALTA Settlement Statement was received. System updated. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX XXXX (X).XXX |  |  | NJ | Investment | Purchase | NA | 7173884 | N/A | N/A |
| XXXX | 2131393 |  |  | Closed | 2026-01-22 09:40 | 2026-01-22 13:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Final DSCR Calculator received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. corrected DSCR calculator uploaded. - Seller-XX/XX/XXXX <br>Open-The DSCR calculator in file has a DSCR (X.XXXXXXXx) that does not match the Tape Data (X.XXXx). The provided DSCR calculator has an incorrect loan amount of $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. corrected DSCR calculator uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Final DSCR Calculator received. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_DSCR XXXX.XXX |  |  | WI | Investment | Refinance | Cash Out - Other | 7246444 | N/A | N/A |
| XXXX | 2129795 |  |  | Closed | 2026-01-21 06:31 | 2026-01-28 04:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Executed final XXXX provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final XXXX - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Missing Provide the executed Final XXXX dated X/XX/XXXX from closing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final XXXX - Seller-XX/XX/XXXX<br>| Resolved-Executed final XXXX provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXX.XXX |  |  | VA | Primary Residence | Purchase | NA | 7200832 | N/A | N/A |
| XXXX | 2129795 |  |  | Closed | 2026-01-21 03:30 | 2026-01-28 02:27 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated fraud report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nReady for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX _xXXXX_\nOpen-Fraud Report Shows Uncleared Alerts Per the GL XX-XX--XX page #X a clear fraud report is required. The Fraud report in file (page #XXX) has an uncleared alert. Provide the cleared Fraud report. \n - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX_xXXXX_\n | Resolved-Updated fraud report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX_xXXXX_\n | XXXXXXX Cleared Alerts.xxx |  |  | VA | Primary Residence | Purchase | NA | 7197306 | N/A | N/A |
| XXXX | 2129795 |  |  | Closed | 2026-01-21 02:48 | 2026-01-28 02:26 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated XXXX with correct FICO provided. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nReady for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX _xXXXX_\nOpen-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Provide an updated XXXX with primary wage earner decision score per the GL. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX_xXXXX_\n | Resolved-Updated XXXX with correct FICO provided. Resolved - Due Diligence Vendor-XX/XX/XXXX_xXXXX_\n | XXXXXXX XXXX.xxx |  |  | VA | Primary Residence | Purchase | NA | 7197042 | N/A | N/A |
| XXXX | 2129795 |  |  | Closed | 2026-01-23 10:52 | 2026-01-28 02:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nReady for Review-Borrower calls their payment rent as this is a living expense they pay. The borrower uses it for household items. The borrower is not on the lease and there's not a formal rental tracking on this. So technically the borrower is rent free and helps with bills to be paid.\n\n - Seller-XX/XX/XXXX _xXXXX_\nOpen-The LOE on page XXX contradicts the LOE on page XXX stating that the borrower lives rent free while the LOE from the borrower (page XXX) states BX pays rent. Provide XX months per the FTHB GL section X.X.XX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Borrower calls their payment rent as this is a living expense they pay. The borrower uses it for household items. The borrower is not on the lease and there's not a formal rental tracking on this. So technically the borrower is rent free and helps with bills to be paid.\n\n - Seller-XX/XX/XXXX_xXXXX_\n | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX_xXXXX_\n |  |  |  | VA | Primary Residence | Purchase | NA | 7274366 | N/A | N/A |
| XXXX | 2129795 |  |  | Closed | 2026-01-21 02:57 | 2026-01-27 04:33 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary valuation is Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nResolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nReady for Review-Document Uploaded. FNMA SSR - score of X.X - Seller-XX/XX/XXXX _xXXXX_\nOpen-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X The file is missing the secondary valuation or additional valuation. Provide a FNMA or FHLMC UCDP/SSR report with a score less than X.X, or an appraisal desk review.\n - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. FNMA SSR - score of X.X - Seller-XX/XX/XXXX_xXXXX_\n | Resolved-Secondary valuation is Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\n Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX_xXXXX_\n | XXXXXXX XXXXXX XXX.xxx |  |  | VA | Primary Residence | Purchase | NA | 7197095 | N/A | N/A |
| XXXX | 2133235 |  |  | Closed | 2026-01-21 22:41 | 2026-02-17 07:47 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Received exception for borrower not having XX month housing history - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nReady for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX _xXXXX_\nCounter-If borrower is living rent free will need LOX from party borrower was residing with - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nReady for Review-Updated XXXX - Seller-XX/XX/XXXX _xXXXX_\nCounter-Guidelines calls for XX month history if no primary expense will need LOX - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nReady for Review-Document Uploaded. Updated XXXX. The borrower pays rent in cash but cannot document. - Seller-XX/XX/XXXX _xXXXX_\nCounter-Wrong docs attached compliance ease report - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nReady for Review-Document Uploaded. XX and Seller Certificate - Seller-XX/XX/XXXX _xXXXX_\nOpen-Housing History Does Not Meet Guideline Requirements As per the guidelines version XX/XX/XXXX, Primary Mortgage or Rent Months updated as X due Borrower rents the primary residence for $X,XXX at " XXX XXXXXXX XXXXX XX XXXXXX XXXXX XXXXX XXXXX " but there is no XX months rent history and there is no VOR available in the file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX _xXXXX_\n Ready for Review-Updated XXXX - Seller-XX/XX/XXXX _xXXXX_\n Ready for Review-Document Uploaded. Updated XXXX. The borrower pays rent in cash but cannot document. - Seller-XX/XX/XXXX _xXXXX_\n Ready for Review-Document Uploaded. XX and Seller Certificate - Seller-XX/XX/XXXX_xXXXX_\n | Waived-Received exception for borrower not having XX month housing history - Due Diligence Vendor-XX/XX/XXXX_xXXXX_\n | XXXXXX XXXXXXX_Seller Certificate.xxx_xXXXX_\ndownload (X).xxx_xXXXX_\nXXXX.xxx_xXXXX_\nException Approval.xxx |  | XX% LTV is below the maximum XX% LTV by XX%.\nXX.XX% DTI is below the maximum XX% DTI by XX.XX%.\nXXX Representative credit score exceeds the minimum required of XXX by XX points\n | NJ | Primary Residence | Purchase | NA | 7235349 | Originator Pre-Close | Yes |
| XXXX | 2133235 |  |  | Closed | 2026-01-21 05:17 | 2026-01-30 13:01 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nReady for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX _xXXXX_\nCounter-This is the compliance ease report - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nReady for Review-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nResolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nReady for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX _xXXXX_\nOpen-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alerts. The required clear fraud report is missing from file.\n - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX _xXXXX_\n Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX_xXXXX_\n | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\n Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX_xXXXX_\n | download (X).xxx_xXXXX_\nCleared Alerts.xxx |  |  | NJ | Primary Residence | Purchase | NA | 7198259 | N/A | N/A |
| XXXX | 2133235 |  |  | Closed | 2026-01-21 21:00 | 2026-02-17 08:08 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 0XXX)(Conforming) | Resolved-This loan passes HPML guidelines and is HPML compliant loan - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nResolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and copy of the appraisal was given to the borrower – see Pg#'s XXX\nfor the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nOpen- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nOpen- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_\n | Resolved-This loan passes HPML guidelines and is HPML compliant loan - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\n Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and copy of the appraisal was given to the borrower – see Pg#'s XXX\nfor the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX_xXXXX_\n |  |  |  | NJ | Primary Residence | Purchase | NA | 7232088 | N/A | N/A |
| XXXX | 2129787 |  |  | Closed | 2026-01-23 03:10 | 2026-01-28 02:36 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated fraud report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XXXXXXXX Version XX/XX/XXXX on page#XX a clear fraud report is required. The fraud report in file pg#XXX is showing a High alert. The required cleared report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX<br>| Resolved-Updated fraud report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXXXX.pdf |  |  | AZ | Primary Residence | Purchase | NA | 7263098 | N/A | N/A |
| XXXX | 2129787 |  |  | Closed | 2026-01-23 02:52 | 2026-01-27 04:36 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary valuation is misisng in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXXX XXX - Seller-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per XXXXXXXX requirements and CU Score, if present, is greater than X.X Per the XXXXXXXX version XX/XX/XXXX on page#XX, Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per XXXXXXXX requirements and CU Score, if present, is greater than X.X • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a XXXXX or XXXXXX UCDP/SSR report with a score less than X.X, or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXXX XXX - Seller-XX/XX/XXXX<br>| Resolved-Secondary valuation is misisng in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXXXXXXXXXX.pdf |  |  | AZ | Primary Residence | Purchase | NA | 7262843 | N/A | N/A |
| XXXX | 2129789 |  |  | Closed | 2026-01-22 02:59 | 2026-01-28 01:47 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-XXXXXXX XXX provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXXX XXX<br> - Seller-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per XXXXXXXX requirements and CU Score, if present, is greater than X.X - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXXX XXX<br> - Seller-XX/XX/XXXX<br>| Resolved-XXXXXXX XXX provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXXXXXXXXXX.pdf |  |  | CA | Second Home | Refinance | Cash Out - Other | 7236770 | N/A | N/A |
| XXXX | 2133258 |  |  | Closed | 2026-01-22 03:22 | 2026-02-11 14:04 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Resolved-Audited DTI of XX.XX% is less than or equal to XXXXXXXX DTI of XX% - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Received updated income worksheet. Updated worksheet and employment page. DTI is in line. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Income worksheet showing XX% ratio - Seller-XX/XX/XXXX <br>Counter-Need updated income worksheet one in file is using XX% - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Seller Certificate - Seller-XX/XX/XXXX <br>Open-Audited DTI of XX.XX% exceeds XXXXXXXX DTI of XX% Audited DTI XX.XX% is and lender DTI is XX.XX% . The difference is X.X% . This is due to that (X) lender considered monthly income as $XX,XXX.XX whereas our calculated income is $XX,XXX.XX (X) lender considered HOI amount as $XXX.X whereas per our calculations HOI amount as $XXX.XX and audited DTI exceeds the GL due to the same.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Income worksheet showing XX% ratio - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Seller Certificate - Seller-XX/XX/XXXX<br>| Resolved-Audited DTI of XX.XX% is less than or equal to XXXXXXXX DTI of XX% - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Received updated income worksheet. Updated worksheet and employment page. DTI is in line. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXXXXXXXXXXXXXX.pdf<br>XXXXXXXXXXXXXXXXXXXXXXXX.pdf |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7236917 | N/A | N/A |
| XXXX | 2133258 |  |  | Closed | 2026-01-22 03:20 | 2026-02-06 01:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Requested updated final XXXX with borrower sign provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final XXXX - Seller-XX/XX/XXXX <br>Open-One in file borrower signature is missing. Provide final XXXX with borrower signature - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final XXXX - Seller-XX/XX/XXXX<br>| Resolved-Requested updated final XXXX with borrower sign provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXX.pdf |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7236906 | N/A | N/A |
| XXXX | 2133258 |  |  | Closed | 2026-01-22 02:10 | 2026-01-30 00:12 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated fraud report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high & X low uncleared alert. The required cleared report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX<br>| Resolved-Updated fraud report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXXXX.pdf |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7236469 | N/A | N/A |
| XXXX | 2133258 |  |  | Closed | 2026-01-22 01:53 | 2026-01-27 16:43 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXXX XXX - Seller-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per XXXXXXXX requirements and CU Score, if present, is greater than X.X File needs a XXXXX or XXXXXX UCDP/SSR report with a score less than X.X, or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXXX XXX - Seller-XX/XX/XXXX<br>| Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXXXXXXXXXX.pdf |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7236388 | N/A | N/A |
| XXXX | 2133262 |  |  | Closed | 2026-01-23 03:35 | 2026-02-11 03:14 | Resolved | 1 - Information C A | Credit | Credit | DSCR Does Not Meet Guideline Requirement | Resolved-provided DSCR Calculation sheet which meets our DSCR Calculation per Note P&I, hence Calculated DSCR Matches with originator DSCR sheet provided, changes made in system, Finding Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. DSCR Calc - XXXXXX-XX/XX/XXXX <br>Open-Note reflects a monthly payment of $X,XXX.XX not $XXXX.XX - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. DSCR Calc. Ours is correct P&I should be $XXXX.XX<br>- XXXXXX-XX/XX/XXXX <br>Open-Audited DSCR ratio X.XXX%, lender DSCR X.XXX% DSCR variance exceeding the guideline variance X.XX%,This is due to lender consider the P& I amount $XXXX.XX whereas as per our calculation $X,XXX.XX. The calculation validating the correct DSCR is as follows: Rents of $XXXX/ PITIA of $X,XXX.XX= X.XXX DSCR, The rent schedule page # XX, UW DSCR worksheet page # XXX - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. DSCR Calc - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. DSCR Calc. Ours is correct P&I should be $XXXX.XX<br>- XXXXXX-XX/XX/XXXX<br>| Resolved-provided DSCR Calculation sheet which meets our DSCR Calculation per Note P&I, hence Calculated DSCR Matches with originator DSCR sheet provided, changes made in system, Finding Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX XXXXXXX XXXX.XXX<br>XXXX XXXX.XXX |  |  | IL | Investment | Purchase | NA | 7263472 | N/A | N/A |
| XXXX | 2133262 |  |  | Closed | 2026-01-23 02:45 | 2026-01-30 00:31 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated fraud report provided. Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - XXXXXX-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required cleared report is missing.<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated fraud report provided. Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX XXXXXX.XXX |  |  | IL | Investment | Purchase | NA | 7262817 | N/A | N/A |
| XXXX | 2133262 |  |  | Closed | 2026-01-27 09:42 | 2026-01-28 07:26 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Document Uploaded. Final XXXX - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final XXXX - XXXXXX-XX/XX/XXXX <br>Open-The Final XXXX is Missing - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Final XXXX - XXXXXX-XX/XX/XXXX<br>| Resolved-Document Uploaded. Final XXXX - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX XXXXXXX XXXXX XXXX.XXX |  | Please provide a copy of the Final XXXX | IL | Investment | Purchase | NA | 7314217 | N/A | N/A |
| XXXX | 2133262 |  |  | Closed | 2026-01-23 03:36 | 2026-02-11 07:39 | Resolved | 1 - Information A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of X.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Audited Reserves of X.XX month(s) are less than Guideline Required Reserves of X month(s) As per guidelines XX.XX.XXXX page # XX for Non Permanent resident alien reserves required X months of PITIA. Final HUD showing cash from borrower $XXXXX.XX + PITIA $XX,XXX.XX (X\*$X,XXX.XX) = $XX,XXX.XX , available verified asset $XX,XXX.XX . the loan is short funds X,XXX.XX, provide sufficient funds to cover the shortage amount.<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Audited Reserves of X.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | IL | Investment | Purchase | NA | 7263477 | N/A | N/A |
| XXXX | 2133262 |  |  | Closed | 2026-01-23 02:35 | 2026-02-11 07:37 | Resolved | 1 - Information A | Credit | Missing Doc | The letter of explanation for the borrower's assets/reserves is missing | Resolved-Validation Resolved' - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The letter of explanation for the borrower's assets/reserves is missing. Please provide LOE or additional assets/reserves. Provide the letter of explanation showing the borrower has authorized access to all funds from account #XXXX (Joint Account page #XX) as per XX XX.XX.XXXX page #XX<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Validation Resolved' - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | IL | Investment | Purchase | NA | 7262757 | N/A | N/A |
| XXXX | 2133253 |  |  | Closed | 2026-01-29 09:08 | 2026-02-11 06:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Condition Resolved or Not Applicable. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Received proof of rents for first month and deposit - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Received proof of rents for first month and deposit - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-The conditions is saying the lease for the subject is missing, but the subject is a Primary so no lease needed - XXXXXX-XX/XX/XXXX <br>Counter-The lease for the subject is missing one in file is not for this property. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Proof of rent - XXXXXX-XX/XX/XXXX <br>Open-Need the rents for the investment property. Deposit and first month of rent based on lease started X/X/XXXX - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-The conditions is saying the lease for the subject is missing, but the subject is a Primary so no lease needed - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Proof of rent - XXXXXX-XX/XX/XXXX<br>| Resolved-Condition Resolved or Not Applicable. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Received proof of rents for first month and deposit - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXX & XXX XXXXX XXXX.XXX |  |  | CA | Primary Residence | Purchase | NA | 7352842 | N/A | N/A |
| XXXX | 2133253 |  |  | Closed | 2026-01-26 22:37 | 2026-01-29 08:23 | Resolved | 1 - Information A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - XXXXXX-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing uncleared alert, provide updated fraud report.<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - XXXXXX-XX/XX/XXXX<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX XXXXXX.XXX |  |  | CA | Primary Residence | Purchase | NA | 7306199 | N/A | N/A |
| XXXX | 2133253 |  |  | Closed | 2026-01-26 22:15 | 2026-01-28 02:13 | Resolved | 1 - Information A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-XXXXXXX XXX provided. Resolved<br> - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXXX XXX - XXXXXX-XX/XX/XXXX <br>Open-For securitization, a second property valuation needs to be provided. File needs a XXXXX and/or XXXXXX UCDP/XXX report with scores less than X.X; or the file needs an Appraisal Desk Review.<br> - XXX XXXXXXXXX XX-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXXX XXX - XXXXXX-XX/XX/XXXX<br>| Resolved-XXXXXXX XXX provided. Resolved<br> - XXX XXXXXXXXX XX-XX/XX/XXXX<br>| XXXXXXX XXXXXXX XXX.pdf |  |  | CA | Primary Residence | Purchase | NA | 7306101 | N/A | N/A |
| XXXX | 2127957 |  |  | Closed | 2026-01-27 06:58 | 2026-01-30 10:08 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client elects to waive with the following compensating factors: - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Waived-Audited LTV of XX% exceeds XXXXXXXXX LTV of XX% Exception provided on page #XXXX-XXXX,XXXX-XXXX.Exception requested for Alt Doc @ XX% LTV w/ XXX score - prime non-agency r/t refinance. - XXX XXXXXXXXX XX-XX/XX/XXXX |  | Waived-Client elects to waive with the following compensating factors: - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Waived-Audited LTV of XX% exceeds XXXXXXXXX LTV of XX% Exception provided on page #XXXX-XXXX,XXXX-XXXX.Exception requested for Alt Doc @ XX% LTV w/ XXX score - prime non-agency r/t refinance. - XXX XXXXXXXXX XX-XX/XX/XXXX<br>|  |  | XX.XX% DTI is below the maximum XX% DTI by XX.XX%.<br> XXX Representative credit score exceeds the minimum required of XXX by XX points | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7309588 | Originator Pre-Close | Yes |
| XXXX | 2127957 |  |  | Closed | 2026-01-28 00:38 | 2026-01-30 02:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Requested Business Narrative provided, updated & condition resolved. - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached - XXXXXX-XX/XX/XXXX <br>Open-Business Narrative missing for XXX XXXXX XXXXXXXXXXX XXX, XXXX XXXXXXXXXX XXX, XX XXXXXXXXX XXX, XX XXXXXX XXX, XXXXX XXXX XXXXXX XXX - XXX XXXXXXXXX XX-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached - XXXXXX-XX/XX/XXXX<br>| Resolved-Requested Business Narrative provided, updated & condition resolved. - XXX XXXXXXXXX XX-XX/XX/XXXX<br>| XXXXXXXX XXXXXXXXX - XXXXX XXXXX XX.pdf<br>XXXXXXXX XXXXXXXXX XXXXXXXX.pdf<br>XXXXXXXXX XXXXXXXXX XXXXXXXX.pdf<br>XX XXXXXX XXXXXXXXX XXXXXXXX.pdf<br>XX XXXXXXXXX XXXXXXXXX XXXXXXXX.pdf |  |  | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7324406 | N/A | N/A |
| XXXX | 2129773 |  |  | Closed | 2026-01-27 09:39 | 2026-01-28 22:19 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Requested secondary valuation provided, updated & condition resolved. - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXXX XXX - XXXXXX-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X The file is missing secondary valuation or additional valuation. Provide a XXXXX or XXXXXX UCDP/XXX report with a score less than X.X, or an appraisal desk review.<br> - XXX XXXXXXXXX XX-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXXX XXX - XXXXXX-XX/XX/XXXX<br>| Resolved-Requested secondary valuation provided, updated & condition resolved. - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXXX XX-XX/XX/XXXX<br>| XXXXX-XXXXXX XXXXXXX XXX.pdf |  |  | FL | Primary Residence | Purchase | NA | 7313971 | N/A | N/A |
| XXXX | 2129773 |  |  | Closed | 2026-01-27 10:20 | 2026-01-27 10:21 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 0XXX)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # XXX and the Final Closing disclosure on page # XXX-XXX reflects escrows. Rate lock is on page # XXX-XXX. An interior and exterior appraisal was completed for this property – see page # XX-XX, the appraisal disclosure was provided to the borrower(s)- see page # XXX, XXX and confirmation the appraisal was delivered to the borrower – see page # XXX, XXX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # XXX and the Final Closing disclosure on page # XXX-XXX reflects escrows. Rate lock is on page # XXX-XXX. An interior and exterior appraisal was completed for this property – see page # XX-XX, the appraisal disclosure was provided to the borrower(s)- see page # XXX, XXX and confirmation the appraisal was delivered to the borrower – see page # XXX, XXX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXX XX-XX/XX/XXXX<br>|  |  |  | FL | Primary Residence | Purchase | NA | 7315069 | N/A | N/A |
| XXXX | 2133260 |  |  | Closed | 2026-02-13 10:43 | 2026-02-13 10:48 | Resolved | 1 - Information C A | Compliance | Mavent | TX Fee Not Allowed- IA Title Guaranty Fee (Fee ID: 61) | Resolved-Resolved - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Open-XXXXXX<br>law does not allow IA Title Guaranty Fee (Fee ID: XX) to be charged to the Borrower, Seller, Originator, Lender or Other in XX. - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XX-XX/XX/XXXX |  | Resolved-Resolved - XXX XXXXXXXXX XX-XX/XX/XXXX<br>|  |  |  | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7612710 | N/A | N/A |
| XXXX | 2133260 |  |  | Closed | 2026-02-03 12:32 | 2026-02-12 14:31 | Resolved | 1 - Information C A | Credit | Debt | Mortgage history for primary residence less than 12 months | Resolved-Received payment history for primary updated credit page. - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Housing History - XXXXXX-XX/XX/XXXX <br>Open-Payment history for primary is not showing on credit report - XXX XXXXXXXXX XX-XX/XX/XXXX | Ready for Review-Document Uploaded. Housing History - XXXXXX-XX/XX/XXXX<br>| Resolved-Received payment history for primary updated credit page. - XXX XXXXXXXXX XX-XX/XX/XXXX<br>| XXXXXXX XXXXXXX.pdf |  |  | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7424461 | N/A | N/A |
| XXXX | 2133260 |  |  | Closed | 2026-01-27 04:46 | 2026-02-06 01:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Right of Rescission | Resolved-Requested notice of right to cancel provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. NRTCs - Seller-XX/XX/XXXX <br>Open-Right of Rescission is Missing Provide Right to cancel document as its missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. NRTCs - Seller-XX/XX/XXXX<br>| Resolved-Requested notice of right to cancel provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX XXXXX.pdf |  |  | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7308044 | N/A | N/A |
| XXXX | 2133260 |  |  | Closed | 2026-01-27 04:52 | 2026-02-03 13:02 | Resolved | 1 - Information A | Compliance | TRID | Final CD: Closing Cost Detail fee(s) not disclosed in the proper section based on ability to shop | Resolved-Received PCD updated. missing the Right to cancel once received will run mavent - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. updated PCCD - Seller-XX/XX/XXXX <br>Open-As per Final CD page XX Title Feeses reflecting in B section (Title Guaranty Fee, Title Notary Fee and Title Tax Certificate Fee) is paid to provider XXXXX and XXXXX XXXXX XXXXXXXX, that's not on provider List page XXX, but the Feeses is still in Section B, Move the Feeses to Section C or Provide updated service provider. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. updated PCCD - Seller-XX/XX/XXXX<br>| Resolved-Received PCD updated. missing the Right to cancel once received will run mavent - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX PCCD.pdf |  |  | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7308073 | N/A | N/A |
| XXXX | 2133231 |  |  | Closed | 2026-02-06 10:25 | 2026-02-09 12:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Document Uploaded. DSCR Calc - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. DSCR Calc - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-Please provide Underwriter DSCR calculator worksheet - Due Diligence Vendor-XX/XX/XXXX <br>Open-Please provide Underwriter DSCR calculator worksheet - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. DSCR Calc - Seller-XX/XX/XXXX<br>| Resolved-Document Uploaded. DSCR Calc - Due Diligence Vendor-XX/XX/XXXX<br>| DSCR.pdf |  |  | NJ | Investment | Refinance | Cash Out - Other | 7492661 | N/A | N/A |
| XXXX | 2129777 |  |  | Closed | 2026-01-28 01:31 | 2026-01-30 05:36 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Fraud report reflecting uncleared alerts, per XXXX XXXXXX XXXXXXXXXX XXXXXXXXXX dated XX/XX/XXXX, required updated fraud report. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXXXX.pdf |  |  | LA | Primary Residence | Purchase | NA | 7324574 | N/A | N/A |
| XXXX | 2129777 |  |  | Closed | 2026-01-28 01:15 | 2026-01-29 00:26 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-XXXXXXX XXX provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXXX XXX - Seller-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Provided Secondary valuation, secondary valuation missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXXX XXX - Seller-XX/XX/XXXX<br>| Resolved-XXXXXXX XXX provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX XXXXXXX XXX.pdf |  |  | LA | Primary Residence | Purchase | NA | 7324515 | N/A | N/A |
| XXXX | 2133251 |  |  | Closed | 2026-01-28 17:04 | 2026-02-17 14:14 | Resolved | 1 - Information C A | Credit | Credit | DSCR Does Not Meet Guideline Requirement | Resolved-Recveived updated worksheet. Updated business page and DFL page. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. DSCR Calculator - Seller-XX/XX/XXXX <br>Open-DSCR Does Not Meet Guideline Requirement Need proof of rents X months in order to use the rents instead of the market rents - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. DSCR Calculator - Seller-XX/XX/XXXX<br>| Resolved-Recveived updated worksheet. Updated business page and DFL page. - Due Diligence Vendor-XX/XX/XXXX<br>| DSCR Calculator.pdf |  |  | MD | Investment | Refinance | Cash Out - Other | 7341053 | N/A | N/A |
| XXXX | 2133251 |  |  | Closed | 2026-01-28 16:46 | 2026-02-06 06:00 | Resolved | 1 - Information C A | Credit | Credit | Appraisal deficiency. | Resolved-Received updated appraisal with correct prior sales date updated property page. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated Appraisal - Seller-XX/XX/XXXX <br>Open-The appraisal has the sale date as XX/XX/XXXX however it sold on XX/XX/XXXX can we get this updated? - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated Appraisal - Seller-XX/XX/XXXX<br>| Resolved-Received updated appraisal with correct prior sales date updated property page. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXX.pdf |  |  | MD | Investment | Refinance | Cash Out - Other | 7340851 | N/A | N/A |
| XXXX | 2133251 |  |  | Closed | 2026-01-28 16:44 | 2026-02-03 05:56 | Resolved | 1 - Information B A | Credit | Credit Worthiness | Mortgage history for primary residence less than 12 months | Resolved-Received updated XXXX showing rent at XXXX updated credit page - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX _xXXXD_<br> Open-Rent on final XXXX shows as X,XXX bank statements on page XXX-XXX does not reflect this. Need confirmation and update on what the monthly rent payment was made monthly - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX_xXXXD_ | Resolved-Received updated XXXX showing rent at XXXX updated credit page - Due Diligence Vendor-XX/XX/XXXX_xXXXD_ | XXXX.XXX |  |  | MD | Investment | Refinance | Cash Out - Other | 7340847 | N/A | N/A |
| XXXX | 2133251 |  |  | Closed | 2026-01-28 05:11 | 2026-02-03 02:57 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Requested alerts cleared fraud report provided, updated & condition resolved.<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX _xXXXD_<br> Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required cleared report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX_xXXXD_ | Resolved-Requested alerts cleared fraud report provided, updated & condition resolved.<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX_xXXXD_ | XXXXXX XXXXXX.XXX |  |  | MD | Investment | Refinance | Cash Out - Other | 7325946 | N/A | N/A |
| XXXX | 2125847 |  |  | Closed | 2026-01-27 04:36 | 2026-01-28 14:45 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final ALTA Settlement Statement received. System updated. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXD_<br> Open-Final HUD-X Document is Missing. The loan file is missing the final settlement statement. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXD_ | Resolved-Final ALTA Settlement Statement received. System updated. - Due Diligence Vendor-XX/XX/XXXX_xXXXD_ | XXX XXXXX XXX.XXX |  |  | PA | Investment | Refinance | Cash Out - Other | 7307973 | N/A | N/A |
| XXXX | 2129783 |  |  | Closed | 2026-01-29 05:19 | 2026-02-04 07:49 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-Updated fraud report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX _xXXXD_<br> Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page #XX a clear fraud report is required. The fraud report in file (page #XXX) is showing X high uncleared alert. The required cleared report is missing.<br>- Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX_xXXXD_ | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-Updated fraud report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX_xXXXD_ | XXXXXX XXXXXX.XXX |  |  | FL | Primary Residence | Purchase | NA | 7346641 | N/A | N/A |
| XXXX | 2129783 |  |  | Closed | 2026-01-29 05:19 | 2026-02-04 07:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-Photo ID DL provided. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Photo ID - Seller-XX/XX/XXXX _xXXXD_<br> Open-Borrower X Photo Identification Missing. Please provide valid photo identification per guideline requirements. Borrower X Photo Identification Missing. Provide valid photo identification for BX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Photo ID - Seller-XX/XX/XXXX_xXXXD_ | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-Photo ID DL provided. Resolved - Due Diligence Vendor-XX/XX/XXXX_xXXXD_ | XXXXXXXX XXXXXXXXXXXXXX.XXX |  |  | FL | Primary Residence | Purchase | NA | 7346642 | N/A | N/A |
| XXXX | 2129783 |  |  | Closed | 2026-01-29 06:21 | 2026-02-02 05:42 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Requested final XXXX provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Final XXXX - Seller-XX/XX/XXXX _xXXXD_<br> Open-The Final XXXX is Missing Final XXXX is missing in file. Provide final XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final XXXX - Seller-XX/XX/XXXX_xXXXD_ | Resolved-Requested final XXXX provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX_xXXXD_ | XXXXXXXX_XXXX.XXX |  |  | FL | Primary Residence | Purchase | NA | 7347310 | N/A | N/A |
| XXXX | 2129774 |  |  | Closed | 2026-01-29 21:15 | 2026-02-04 23:25 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-There are Uncleared Alerts in fraud report, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX _xXXXD_<br> Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required clear fraud report is missing from file.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX_xXXXD_ | Resolved-There are Uncleared Alerts in fraud report, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX_xXXXD_ | XXXXXX XXXXXX.XXX |  |  | CA | Primary Residence | Purchase | NA | 7363915 | N/A | N/A |
| XXXX | 2129774 |  |  | Closed | 2026-02-04 05:30 | 2026-02-04 20:51 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The disclosed finance charge ($X,XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($X,XXX,XXX.XX). The XXXXXX XX XXXXXXX XXX considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (XX CFR XXXX.XX(d)(X); OSC XX(c)(X)(ii)-X) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Purchase | NA | 7433101 | N/A | N/A |
| XXXX | 2129774 |  |  | Closed | 2026-01-29 21:58 | 2026-02-04 06:26 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Final CD provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final CD - Seller-XX/XX/XXXX <br>Open-TRID: Missing Final Closing Disclosure Provide the final closing disclosure it is not available in the final - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Final CD - Seller-XX/XX/XXXX<br>| Resolved-Final CD provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX_XXXXX XX.xxx |  |  | CA | Primary Residence | Purchase | NA | 7364165 | N/A | N/A |
| XXXX | 2129774 |  |  | Closed | 2026-02-04 05:30 | 2026-02-04 05:59 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XXX) | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit amount of ($X.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and - X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Purchase | NA | 7433100 | N/A | N/A |
| XXXX | 2129774 |  |  | Closed | 2026-02-04 05:30 | 2026-02-04 05:49 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County, Appraisal Fee, Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Purchase | NA | 7433103 | N/A | N/A |
| XXXX | 2129774 |  |  | Closed | 2026-01-29 23:57 | 2026-02-04 05:22 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Resolved-IEAD provided. Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. IEADS - Seller-XX/XX/XXXX <br>Open-Provide th initial escrow disclosure ,it is not available in the file - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. IEADS - Seller-XX/XX/XXXX<br>| Resolved-IEAD provided. Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX_XXXXXXX XXXXXX XXXXX XXXXXXXXXX.xxx |  |  | CA | Primary Residence | Purchase | NA | 7365061 | N/A | N/A |
| XXXX | 2129785 |  |  | Closed | 2026-01-31 00:59 | 2026-02-06 06:23 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. COC for a change in the vesting that the borrower requested on X/XX - Seller-XX/XX/XXXX <br>Open-The total amount of the XX% category fees on the last Closing Disclosure ($XX.XX) has increased by more than XX% over the current baseline value of ($XX.XX). The total amount of fees in the XX% category cannot exceed ($XX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the XX% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (XX CFR XXXX.XX(e)(X)(ii); XX CFR XXXX.XX(e)(X)(iv)). Provide the COC for FINAL CD Date XX/XX/XXXX due to Recording Fee increased from Initial CD Date XX/XX/XXXX. Fee $XX. to FINAL CD Date XX/XX/XXXX. Fee $XX. Increase fee $XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. COC for a change in the vesting that the borrower requested on X/XX - Seller-XX/XX/XXXX<br>| Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXX XXX X-XX-XX.xxx |  |  | AZ | Second Home | Purchase | NA | 7386726 | N/A | N/A |
| XXXX | 2129785 |  |  | Closed | 2026-01-31 00:59 | 2026-02-06 06:23 | Resolved | 1 - Information A | Compliance | TRID Tolerance | Fees: Limited | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-The total amount of the XX% category fees ($XX.XX) has increased by more than XX% over the current baseline value of ($XX.XX). The total amount of fees in the XX% category cannot exceed ($XX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the XX% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (XX CFR XXXX.XX(e)(X)(ii); XX CFR XXXX.XX(e)(X)(iv)). Provide the COC for FINAL CD Date XX/XX/XXXX due to Recording Fee increased from Initial CD Date XX/XX/XXXX. Fee $XX. to FINAL CD Date XX/XX/XXXX. Fee $XX. Increase fee $XX. Duplicate finding, hence rescinded. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-The total amount of the XX% category fees ($XX.XX) has increased by more than XX% over the current baseline value of ($XX.XX). The total amount of fees in the XX% category cannot exceed ($XX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the XX% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (XX CFR XXXX.XX(e)(X)(ii); XX CFR XXXX.XX(e)(X)(iv)). Provide the COC for FINAL CD Date XX/XX/XXXX due to Recording Fee increased from Initial CD Date XX/XX/XXXX. Fee $XX. to FINAL CD Date XX/XX/XXXX. Fee $XX. Increase fee $XX. Duplicate finding, hence rescinded. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | AZ | Second Home | Purchase | NA | 7386727 | N/A | N/A |
| XXXX | 2129785 |  |  | Closed | 2026-01-31 01:24 | 2026-02-04 06:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Income worksheet with XXXX/XXXX - Seller-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Borrower qualifying with Asset utilization income of $XX,XXX.XX which is not matching with Lender income worksheet on page#XXX, income showing as $XX,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Income worksheet with XXXX/XXXX - Seller-XX/XX/XXXX<br>| Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXX.pdf |  |  | AZ | Second Home | Purchase | NA | 7386766 | N/A | N/A |
| XXXX | 2133232 |  |  | Closed | 2026-01-29 23:37 | 2026-02-09 12:38 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XXX) | Resolved-Document Uploaded. valid COC completed on X/XX for a lock extension, with detailed COC form - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. valid COC completed on X/XX for a lock extension, with detailed COC form - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit amount of ($X,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXXX.X(e)(X)(i) and comments XX(e)(X)(i)-X and - X; XX CFR XXXXX.X(f)(X)(v); XX CFR XXXXX.XX(g)(X); XX CFR XXXXX.XX(h)). Provide the COC for FINAL CD Date XX/XX/XXXX due to Lender Credits decreased from Initial CD Date XX/XX/XXXX Fee $X,XXX.XX to FINAL CD Date XX/XX/XXXX Fee $X,XXX.XX. decreased Fee $XXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. valid COC completed on X/XX for a lock extension, with detailed COC form - Seller-XX/XX/XXXX<br>| Resolved-Document Uploaded. valid COC completed on X/XX for a lock extension, with detailed COC form - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXXXXX.pdf |  |  | HI | Primary Residence | Purchase | NA | 7364867 | N/A | N/A |
| XXXX | 2133232 |  |  | Closed | 2026-01-29 21:43 | 2026-02-06 04:51 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Requested updated title with updated coverage amount of $XXX,XXX provided which covers loan amount, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Provide Title Coverage Amount of $XXX,XXX is Greater than or equal to Loan Amount. Title policy on page#XXX coverage amount showing as $XXX,XXX it is less than the Loan amount. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Requested updated title with updated coverage amount of $XXX,XXX provided which covers loan amount, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX.pdf |  |  | HI | Primary Residence | Purchase | NA | 7364041 | N/A | N/A |
| XXXX | 2133232 |  |  | Closed | 2026-01-29 22:52 | 2026-02-06 04:47 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XX/XX/XXXX on page#XX a clear fraud report is required. The fraud report in file pg#XXX is showing a High alert. The required cleared report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX<br>| Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXXXXX.pdf |  |  | HI | Primary Residence | Purchase | NA | 7364526 | N/A | N/A |
| XXXX | 2133232 |  |  | Closed | 2026-01-29 21:37 | 2026-02-04 12:59 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Document Uploaded. Security Instrument - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Security Instrument - Seller-XX/XX/XXXX <br>Open-The Deed of Trust is Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Security Instrument - Seller-XX/XX/XXXX<br>| Resolved-Document Uploaded. Security Instrument - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXXXXXXXXXXXXXXXXXX.pdf |  |  | HI | Primary Residence | Purchase | NA | 7364022 | N/A | N/A |
| XXXX | 2133232 |  |  | Closed | 2026-01-29 23:37 | 2026-02-03 11:24 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 0XXX)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'sXXX, and the Final Closing disclosure on Pg#'sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX,XXX,XXX. An interior and exterior appraisal was completed for this property – see pg#'sXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX,XXX. and confirmation the appraisal was delivered to the borrower – see Pg#'XXX The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'sXXX, and the Final Closing disclosure on Pg#'sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX,XXX,XXX. An interior and exterior appraisal was completed for this property – see pg#'sXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX,XXX. and confirmation the appraisal was delivered to the borrower – see Pg#'XXX The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | HI | Primary Residence | Purchase | NA | 7364869 | N/A | N/A |
| XXXX | 2133256 |  |  | Closed | 2026-01-30 04:36 | 2026-02-13 06:55 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Lease and X months checks to finish out the housing history - Seller-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Verified only X month history from supplemental credit report page XXX, prior to this borrower living on rent address XXXX XXXXXXXX XXXX provide rent history to complete the XX month housing history. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Lease and X months checks to finish out the housing history - Seller-XX/XX/XXXX<br>| Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXXXXXX.pdf<br>XXXXXXXXXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7367779 | N/A | N/A |
| XXXX | 2133256 |  |  | Closed | 2026-01-30 05:03 | 2026-02-09 07:00 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception approved for XX% LTV on rural property. XX is XX%. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Exceptions Approval - Seller-XX/XX/XXXX <br>Open-Audited LTV of XX% exceeds Guideline LTV of XX% As per program A+ Max LTV for Rural Property is XX% which is less than Audited LTV XX%. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Exceptions Approval - Seller-XX/XX/XXXX<br>| Waived-Exception approved for XX% LTV on rural property. XX is XX%. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXXXXXXXXX.pdf |  | X. High amount of reserves. Borrower has XX.XX months and XX is X.<br> X. Low DTI. DTI is XX.XX and XX DTI is XX%.<br> X. High Residual income of $XX,XXX.XX | CA | Primary Residence | Refinance | Cash Out - Other | 7368061 | Originator Post-Close | Yes |
| XXXX | 2133256 |  |  | Closed | 2026-01-30 05:04 | 2026-02-09 02:46 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing uncleared alert, provide updated fraud report.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXXXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7368077 | N/A | N/A |
| XXXX | 2133256 |  |  | Closed | 2026-01-30 03:58 | 2026-02-05 04:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Missing | Resolved-Note doc provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Note - Seller-XX/XX/XXXX <br>Open-The Note is Missing Provide Note document as its missing in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Note - Seller-XX/XX/XXXX<br>| Resolved-Note doc provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXX_XXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7366708 | N/A | N/A |
| XXXX | 2133256 |  |  | Closed | 2026-01-30 05:48 | 2026-02-05 04:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Right of Rescission | Resolved-Right to cancel doc provided. Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Notice of Right to Cancel - Seller-XX/XX/XXXX <br>Open-Right of Rescission is Missing Provide Right to cancel document as its missing in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Notice of Right to Cancel - Seller-XX/XX/XXXX<br>| Resolved-Right to cancel doc provided. Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXX_XXXXXXXXXXXXXXXXXXXXXXXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7369814 | N/A | N/A |
| XXXX | 2133256 |  |  | Closed | 2026-01-30 05:47 | 2026-02-04 23:22 | Resolved | 1 - Information C A | Credit | Doc Issue | Initial Escrow Acct Disclosure missing; loan has escrows | Resolved-IEAD is missing in file, provided the same, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. IEADS - Seller-XX/XX/XXXX <br>Open-Provide Initial Escrow Acct Disclosure as its missing in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. IEADS - Seller-XX/XX/XXXX<br>| Resolved-IEAD is missing in file, provided the same, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXX_XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7369803 | N/A | N/A |
| XXXX | 2129775 |  |  | Closed | 2026-02-02 22:01 | 2026-02-06 04:23 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Remaining X more month mortgage payment statement provided, XX months housing history verified. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Housing History – Mortgage Statement attached to show X more month payment was made - Seller-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Per XX XX.XX.XXXX page #XX, XX-month housing history required for primary residence. However XXX page #XXX shows only XX months reviewed. Housing history is short by X months.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Housing History – Mortgage Statement attached to show X more month payment was made - Seller-XX/XX/XXXX<br>| Resolved-Remaining X more month mortgage payment statement provided, XX months housing history verified. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXXXXXXXXXXXX.pdf |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7409919 | N/A | N/A |
| XXXX | 2129775 |  |  | Closed | 2026-02-02 22:16 | 2026-02-06 04:16 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated fraud report provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required cleared report is missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX<br>| Resolved-Updated fraud report provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXXXXX.pdf |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7409991 | N/A | N/A |
| XXXX | 2133252 |  |  | Closed | 2026-02-04 05:14 | 2026-02-10 02:55 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Fraud Report - XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high & X low uncleared alert. The required cleared report is missing.<br>- XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Fraud Report - XXXXXX-XX/XX/XXXX_xXXXX_ | Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_xXXXX_ | XXXXXXX XXXXXX.XXX |  |  | CA | Primary Residence | Purchase | NA | 7432904 | N/A | N/A |
| XXXX | 2133252 |  |  | Closed | 2026-02-04 04:42 | 2026-02-10 02:54 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Requested gap credit report provided, updated & condition resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-Borrower X Gap Credit Report is not expired. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Gap Credit - XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). Per the XX XX.XX.XXXX page # XX GAP report is required XX days prior to closing date. One in file is expired , provide the updated GAP credit report.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Gap Credit - XXXXXX-XX/XX/XXXX_xXXXX_ | Resolved-Requested gap credit report provided, updated & condition resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-Borrower X Gap Credit Report is not expired. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_xXXXX_ | XXX XXXXXX.XXX |  |  | CA | Primary Residence | Purchase | NA | 7432156 | N/A | N/A |
| XXXX | 2133252 |  |  | Closed | 2026-02-04 06:10 | 2026-02-05 15:43 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 0XXX)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXXX.X(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX , XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXXX.X(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX , XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_xXXXX_ |  |  |  | CA | Primary Residence | Purchase | NA | 7435126 | N/A | N/A |
| XXXX | 2133252 |  |  | Closed | 2026-02-04 06:10 | 2026-02-05 15:43 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX XXX XXXXX.X(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX , XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX XXX XXXXX.X(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX , XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_xXXXX_ |  |  |  | CA | Primary Residence | Purchase | NA | 7435127 | N/A | N/A |
| XXXX | 2133257 |  |  | Closed | 2026-02-04 03:18 | 2026-02-17 07:47 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record X Meets G/L Requirements - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-XXXXXX CD doc provided. Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Sale of Property - XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-Asset Record X Does Not Meet G/L Requirements We have proceeds of sale as per final XXXX, Provide proof of document at it is missing in the file - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Sale of Property - XXXXXX-XX/XX/XXXX_xXXXX_ | Resolved-Asset Record X Meets G/L Requirements - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-XXXXXX CD doc provided. Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_xXXXX_ | XXXX XX XXXXXXXX.XXX |  |  | ID | Primary Residence | Purchase | NA | 7431538 | N/A | N/A |
| XXXX | 2133257 |  |  | Closed | 2026-02-03 22:13 | 2026-02-09 03:04 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Fraud Report Alerts cleared - XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required clear fraud report is missing from file.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Fraud Report Alerts cleared - XXXXXX-XX/XX/XXXX_xXXXX_ | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_xXXXX_ | XXXXXXX XXXXXX.XXX |  |  | ID | Primary Residence | Purchase | NA | 7430050 | N/A | N/A |
| XXXX | 2133240 |  |  | Closed | 2026-02-03 21:55 | 2026-02-09 02:43 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. cleared alerts - XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-Fraud Report Shows Uncleared Alerts Per the XX XX-XX-XXXX page # XX a clear fraud report is required. The Fraud report in file (page #XXX) is showing high X uncleared alert. The required cleared Fraud report is missing.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. cleared alerts - XXXXXX-XX/XX/XXXX_xXXXX_ | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_xXXXX_ | XXXXXXX XXXXXX.XXX |  |  | FL | Investment | Refinance | Cash Out - Other | 7429988 | N/A | N/A |
| XXXX | 2133249 |  |  | Closed | 2026-02-04 06:54 | 2026-02-17 06:40 | Resolved | 1 - Information C A | Credit | Doc Issue | HUD/Closing Statement not signed by Borrower or Title Agent | Resolved-Signed ALTA provided. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Final SS - Seller-XX/XX/XXXX _xXXXX_<br> Counter-Final hud not signed by title, please provide. alta statement not signed at all. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Final Settlement Statement - Seller-XX/XX/XXXX _xXXXX_<br> Open-Provided updated Final hud-X document as settlement agent sign is missing in the Hud Addendum document - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Final SS - Seller-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Final Settlement Statement - Seller-XX/XX/XXXX_xXXXX_ | Resolved-Signed ALTA provided. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_xXXXX_ | XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX.pdf_xXXXX_<br> XXXXXXXXXXXXXXXXXXXX.pdf |  |  | TN | Investment | Refinance | Cash Out - Other | 7435867 | N/A | N/A |
| XXXX | 2133249 |  |  | Closed | 2026-02-04 02:24 | 2026-02-11 03:26 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title coverage is less than Loan amount, provided updated Title document, change made in system, Finding Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Updated Title Policy - Seller-XX/XX/XXXX _xXXXX_<br> Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Provide updated Title document as the one in file shows coverage amount as $XXX,XXX which is less than the loan amount of $XXX,XXX. <br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated Title Policy - Seller-XX/XX/XXXX_xXXXX_ | Resolved-Title coverage is less than Loan amount, provided updated Title document, change made in system, Finding Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_xXXXX_ | XXXXXXXXXXXXXXXXXXXXXXXX.pdf |  |  | TN | Investment | Refinance | Cash Out - Other | 7431239 | N/A | N/A |
| XXXX | 2133254 |  |  | Closed | 2026-02-17 06:34 | 2026-02-17 14:07 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure Business Day Waiting Period Date Warnings | Resolved-Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. CD - The Borrower initialed the correction to the date - Seller-XX/XX/XXXX _xXXXX_<br> Open-The CD provided is still being issued prior to closing. Date issued is X/XX closing date X/XX and funded date of X/XX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-You submitted a Prior Closing Disclosure Received Date (XXXX-XX-XX) earlier than the Prior Closing Disclosure Date Issued (XXXX-XX-XX). The System cannot perform a XXXXXXX business day disclosure waiting period review without accurate dates. (XX CFR XXXX.XX(f); XXXX.XX; XXXX.XX(f); XXXX.XX(a)(X)) . - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-You submitted a Prior Closing Disclosure Received Date (XXXX-XX-XX) earlier than the Prior Closing Disclosure Date Issued (XXXX-XX-XX). The System cannot perform a XXXXXXX business day disclosure waiting period review without accurate dates. (XX CFR XXXX.XX(f); XXXX.XX; XXXX.XX(f); XXXX.XX(a)(X)) . - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. CD - The Borrower initialed the correction to the date - Seller-XX/XX/XXXX_xXXXX_ | Resolved-Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_xXXXX_ | XXXXXXXXXXXXXXXXXXXX.pdf |  |  | AL | Primary Residence | Purchase | NA | 7650295 | N/A | N/A |
| XXXX | 2133254 |  |  | Closed | 2026-02-04 03:09 | 2026-02-17 06:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Have finding open - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. CD - Seller-XX/XX/XXXX _xXXXX_<br> Counter-Ledger states X/XX. Typically final CD is issued three days prior to closing. One attached is issued X/XX with closing date showing as X/XX and disbursement date of X/XX and ledger states disbursed on X/XX as well - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Loan Disbursement Worksheet - Seller-XX/XX/XXXX _xXXXX_<br> Counter-We have this CD. Final CD should be dated prior to X/XX as this appears to be the Post CD. Note is dated X/XX this CD has date issued of X/XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Final CD - Seller-XX/XX/XXXX _xXXXX_<br> Counter-This appears to be the post closing CD what is needed is the final CD - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Final CD - Seller-XX/XX/XXXX _xXXXX_<br> Open-TRID: Missing Final Closing Disclosure One in file final cd is missing. Provide final CD - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. CD - Seller-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Loan Disbursement Worksheet - Seller-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Final CD - Seller-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Final CD - Seller-XX/XX/XXXX_xXXXX_ | Resolved-Have finding open - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_xXXXX_ | XXXXXXXX_ Final CD.pdf_xXXXX_<br> XXXXXXXX_ Final CD.pdf_xXXXX_<br> XXXXXXXXXXXXXXXXXXXXXXXXXXXX.pdf_xXXXX_<br> XXXXXXXX.pdf |  |  | AL | Primary Residence | Purchase | NA | 7431472 | N/A | N/A |
| XXXX | 2133254 |  |  | Closed | 2026-02-09 05:14 | 2026-02-17 06:41 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure Business Day Waiting Period Date Warnings | Resolved-. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-You submitted a Last Closing Disclosure Received Date (XXXX-XX-XX) earlier than the Last Closing Disclosure Date Issued (XXXX-XX-XX). The System cannot perform a XXXXXXXX Z business day disclosure waiting period review without accurate dates. (XX CFR XXXX.XX(f); XXXX.XX; XXXX.XX(f); XXXX.XX(a)(X)) . - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. CD X/XX/XX - Seller-XX/XX/XXXX _xXXXX_<br> Open-You submitted a Last Closing Disclosure Received Date (XXXX-XX-XX) earlier than the Last Closing Disclosure Date Issued (XXXX-XX-XX). The System cannot perform a XXXXXXXX Z business day disclosure waiting period review without accurate dates. (XX CFR XXXX.XX(f); XXXX.XX; XXXX.XX(f); XXXX.XX(a)(X)) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. CD X/XX/XX - Seller-XX/XX/XXXX_xXXXX_ | Resolved-. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_xXXXX_ | XXXXXXXXXXXXXXXXXXXX.pdf |  |  | AL | Primary Residence | Purchase | NA | 7511786 | N/A | N/A |
| XXXX | 2133254 |  |  | Closed | 2026-02-04 03:22 | 2026-02-10 03:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Loan Approval Document is Missing | Resolved-Requested Final Conditional Loan Approval provided, updated & condition resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Loan approval - Seller-XX/XX/XXXX _xXXXX_<br> Open-one in file loan approval is missing. Provide the loan approval document. One on page XXX appears to be prelim - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Loan approval - Seller-XX/XX/XXXX_xXXXX_ | Resolved-Requested Final Conditional Loan Approval provided, updated & condition resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_xXXXX_ | XXXXXXXXXXXXXXXX.pdf |  |  | AL | Primary Residence | Purchase | NA | 7431554 | N/A | N/A |
| XXXX | 2133254 |  |  | Closed | 2026-02-04 02:30 | 2026-02-10 03:14 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX _xXXXX_<br> Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required cleared report is missing.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX_xXXXX_ | Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_xXXXX_ | XXXXXXXXXXXXXXXXXX.pdf |  |  | AL | Primary Residence | Purchase | NA | 7431261 | N/A | N/A |
| XXXX | 2133254 |  |  | Closed | 2026-02-04 02:15 | 2026-02-09 02:49 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXXX XXX - XXX score of X - Seller-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXXX XXX - XXX score of X - Seller-XX/XX/XXXX<br>| Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX - XXXXXXX XXX.pdf |  | File needs a XXXXX or XXXXX UCDP/SSR report with a score less than X.X, or the file needs an Appraisal Desk Review. | AL | Primary Residence | Purchase | NA | 7431187 | N/A | N/A |
| XXXX | 2131400 |  |  | Closed | 2026-02-06 11:52 | 2026-02-13 05:56 | Resolved | 1 - Information C A | Credit | Insurance | HO-6 Insurance Policy is only Partially Present | Resolved-Receipt received showing $XXX.XX annual premium paid for this property. Issue resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Correspondence chain received, but corroborating document is still missing from the file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. here is confirmation from the insurance agent - each unit is the same. - Seller-XX/XX/XXXX <br>Counter-The provided insurance document still does not list the premium amount for the subject property. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-HO-X Insurance Policy is only Partially Present The Hazard Insurance document was provided, but it is missing the Premium amount. Audit is unable to verify the hazard insurance amount for this property. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. here is confirmation from the insurance agent - each unit is the same. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Receipt received showing $XXX.XX annual premium paid for this property. Issue resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXX_XXXX XXXXXXX Ct_$XX,XXX.pdf<br>image (XX).png<br>XXXXXXXX XX Pack - XXX Paid Reciept.pdf |  |  | NJ | Investment | Refinance | Cash Out - Other | 7495182 | N/A | N/A |
| XXXX | 2131400 |  |  | Closed | 2026-02-06 11:27 | 2026-02-10 05:54 | Resolved | 1 - Information C A | Compliance | Closing | Note Indicates Prepayment Penalty but CD Does Not Indicate a Prepayment Penalty | Resolved-Corrected Page #X to the XXX-X received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Note shows a Prepayment Penalty of X% for the first XX months. Whereas, the Final XXX-X indicates on page #X "Does your loan have a prepayment penalty? NO." - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Corrected Page #X to the XXX-X received. - Due Diligence Vendor-XX/XX/XXXX<br>| Order XXXXX-XXXXXX-XX XXXXXXX XXX XXXX XXXXXXX Court, XXXXXXXX, XX.pdf |  |  | NJ | Investment | Refinance | Cash Out - Other | 7494457 | N/A | N/A |
| XXXX | 2131400 |  |  | Closed | 2026-02-04 23:53 | 2026-02-09 12:26 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-XXXXXXXXX acknowledges. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. uploaded email correspondence from XXXXXXXX confirming they are ok with XX XXX under XXX's. - Seller-XX/XX/XXXX <br>Open-Per outside counsel guidance, XXX prepayment penalties are only allowed for loans signed by a Corporation. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. uploaded email correspondence from XXXXXXXX confirming they are ok with XX XXX under XXX's. - Seller-XX/XX/XXXX<br>| Acknowledged-XXXXXXXXX acknowledges. - Due Diligence Vendor-XX/XX/XXXX<br>| Screenshot XXXX-XX-XX XXXXXX.png |  |  | NJ | Investment | Refinance | Cash Out - Other | 7454542 | Investor Post-Close | No |
| XXXX | 2131400 |  |  | Closed | 2026-02-06 11:50 | 2026-02-09 06:13 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Pro Forma Title Policy received with correct coverage. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title Coverage Amount on the Title Commitment of $XXXXXX is less than the Loan Amount. Final Title Policy was not provided for this loan number. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Pro Forma Title Policy received with correct coverage. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX proforma.pdf |  |  | NJ | Investment | Refinance | Cash Out - Other | 7495112 | N/A | N/A |
| XXXX | 2131405 |  |  | Closed | 2026-02-09 07:46 | 2026-02-13 06:03 | Resolved | 1 - Information C A | Credit | Insurance | HO-6 Insurance Policy is only Partially Present | Resolved-Receipt received showing $XXX.XX annual premium paid for this property. Issue resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Correspondence chain received, but corroborating document is still missing from the file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached email confirmation from insurance agent. - Seller-XX/XX/XXXX <br>Counter-The provided insurance document still does not list the premium amount for the subject property. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-HO-X Insurance Policy is only Partially Present The Hazard Insurance document was provided, but it is missing the Premium amount. Audit is unable to verify the hazard insurance amount for this property. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached email confirmation from insurance agent. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Receipt received showing $XXX.XX annual premium paid for this property. Issue resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| image (XX).png<br>XXXXXXXX XX Pack - XXX Paid Reciept.pdf |  |  | NJ | Investment | Refinance | Cash Out - Other | 7515010 | N/A | N/A |
| XXXX | 2131405 |  |  | Closed | 2026-02-06 11:31 | 2026-02-10 06:06 | Resolved | 1 - Information C A | Compliance | Closing | Note Indicates Prepayment Penalty but CD Does Not Indicate a Prepayment Penalty | Resolved-Corrected Page #X to the XXX-X received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Note shows a Prepayment Penalty of X% for the first XX months. Whereas, the Final XXX-X indicates on page #X "Does your loan have a prepayment penalty? NO." - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Corrected Page #X to the XXX-X received. - Due Diligence Vendor-XX/XX/XXXX<br>| Order XXXXX-XXXXXX-XX XXXXXXX XXX XXX XXXXX Court, XXXXXXXX, XX.pdf |  |  | NJ | Investment | Refinance | Cash Out - Other | 7494563 | N/A | N/A |
| XXXX | 2131405 |  |  | Closed | 2026-02-05 03:15 | 2026-02-10 06:06 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-XXXXXXXXXX acknowledges. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Per outside counsel guidance, XXX prepayment penalties are only allowed for loans signed by a Corporation. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Acknowledged-XXXXXXXXXX acknowledges. - Due Diligence Vendor-XX/XX/XXXX<br>| Screenshot XXXX-XX-XX XXXXXX.png |  |  | NJ | Investment | Refinance | Cash Out - Other | 7455575 | Investor Post-Close | No |
| XXXX | 2131398 |  |  | Closed | 2026-02-05 03:28 | 2026-02-13 05:53 | Resolved | 1 - Information C A | Credit | Insurance | HO-6 Insurance Policy is only Partially Present | Resolved-Receipt received showing $XXX.XX annual premium paid for this property. Issue resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Correspondence chain received, but corroborating document is still missing from the file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached email confirmation from the insurance agent. - Seller-XX/XX/XXXX <br>Counter-The provided insurance document still does not list the premium amount for the subject property. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-HO-6 Insurance Policy is only Partially Present The Hazard Insurance document was provided, but it is missing the Premium amount. Audit is unable to verify the hazard insurance amount for this property. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached email confirmation from the insurance agent. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Receipt received showing $XXX.XX annual premium paid for this property. Issue resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXXXXXXXXXXXXXXXXXX.pdf<br>image (XX).png<br>XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX.pdf |  |  | NJ | Investment | Refinance | Cash Out - Other | 7455681 | N/A | N/A |
| XXXX | 2131398 |  |  | Closed | 2026-02-06 11:28 | 2026-02-10 05:52 | Resolved | 1 - Information C A | Compliance | Closing | Note Indicates Prepayment Penalty but CD Does Not Indicate a Prepayment Penalty | Resolved-Corrected Page #X to the HUD-1 received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Note shows a Prepayment Penalty of X% for the first XX months. Whereas, the Final HUD-1 indicates on page #X "Does your loan have a prepayment penalty? NO." - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Corrected Page #X to the HUD-1 received. - Due Diligence Vendor-XX/XX/XXXX<br>| Order XXXXX-XXXXXXXX-XX XXXXXXXXX XXXX XXXX XXXX, XXXXXXXXX, XX.pdf |  |  | NJ | Investment | Refinance | Cash Out - Other | 7494487 | N/A | N/A |
| XXXX | 2131398 |  |  | Closed | 2026-02-05 02:15 | 2026-02-10 05:49 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-XXXXXXXXXX acknowledges. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Per outside counsel guidance, XXX prepayment penalties are only allowed for loans signed by a Corporation. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Acknowledged-XXXXXXXXXX acknowledges. - Due Diligence Vendor-XX/XX/XXXX<br>| Screenshot XXXX-XX-XX XXXXXX.png |  |  | NJ | Investment | Refinance | Cash Out - Other | 7455193 | Investor Post-Close | No |
| XXXX | 2131399 |  |  | Closed | 2026-02-05 06:12 | 2026-02-13 05:55 | Resolved | 1 - Information C A | Credit | Insurance | HO-6 Insurance Policy is only Partially Present | Resolved-Receipt received showing $XXX.XX annual premium paid for this property. Issue resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Correspondence chain received, but corroborating document is still missing from the file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached email confirmation from the insurance agent. - Seller-XX/XX/XXXX <br>Counter-The provided insurance document still does not list the premium amount for the subject property. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-HO-6 Insurance Policy is only Partially Present The Hazard Insurance document was provided, but it is missing the Premium amount. Audit is unable to verify the hazard insurance amount for this property. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached email confirmation from the insurance agent. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Receipt received showing $XXX.XX annual premium paid for this property. Issue resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXXXXXXXXXXXXXXXXXX.pdf<br>image (XX).png<br>XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX.pdf |  |  | NJ | Investment | Refinance | Cash Out - Other | 7459836 | N/A | N/A |
| XXXX | 2131399 |  |  | Closed | 2026-02-06 11:28 | 2026-02-10 05:53 | Resolved | 1 - Information C A | Compliance | Closing | Note Indicates Prepayment Penalty but CD Does Not Indicate a Prepayment Penalty | Resolved-Corrected Page #X to the HUD-1 received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Note shows a Prepayment Penalty of X% for the first XX months. Whereas, the Final HUD-1 indicates on page #X "Does your loan have a prepayment penalty? NO." - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Corrected Page #X to the HUD-1 received. - Due Diligence Vendor-XX/XX/XXXX<br>| Order XXXXX-XXXXXXXX-XX XXXXXXXXX XXXX XXXXXXX XXXXX, XXXXXXXXX, XX.pdf |  |  | NJ | Investment | Refinance | Cash Out - Other | 7494493 | N/A | N/A |
| XXXX | 2131399 |  |  | Closed | 2026-02-06 08:01 | 2026-02-09 12:25 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-XXXXXXXXXX acknowledges. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Per outside counsel guidance, XXX prepayment penalties are only allowed for loans signed by a Corporation. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Acknowledged-XXXXXXXXXX acknowledges. - Due Diligence Vendor-XX/XX/XXXX<br>| Screenshot XXXX-XX-XX XXXXXX.png |  |  | NJ | Investment | Refinance | Cash Out - Other | 7488273 | Investor Post-Close | No |
| XXXX | 2131401 |  |  | Closed | 2026-02-06 12:26 | 2026-02-13 05:57 | Resolved | 1 - Information C A | Credit | Insurance | HO-6 Insurance Policy is only Partially Present | Resolved-Receipt received showing $XXX.XX annual premium paid for this property. Issue resolved. - XXX XXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Counter-Correspondence chain received, but corroborating document is still missing from the file. - XXX XXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached email confirmation from the insurance agent. - XXXXXX-XX/XX/XXXX <br>Counter-The provided insurance document still does not list the premium amount for the subject property. - XXX XXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-HO-X Insurance Policy is only Partially Present The Hazard Insurance document was provided, but it is missing the Premium amount. Audit is unable to verify the hazard insurance amount for this property. - XXX XXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached email confirmation from the insurance agent. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Receipt received showing $XXX.XX annual premium paid for this property. Issue resolved. - XXX XXXXXXXX XXXXX-XX/XX/XXXX<br>| XX XXXXXXXX - XXX XXXXXX.XXX<br>XXXXX (XX).XXX<br>XXXXXXXX XX XXXX - XXX XXXX XXXXXX.XXX |  |  | NJ | Investment | Refinance | Cash Out - Other | 7496157 | N/A | N/A |
| XXXX | 2131401 |  |  | Closed | 2026-02-06 11:29 | 2026-02-10 05:55 | Resolved | 1 - Information C A | Compliance | Closing | Note Indicates Prepayment Penalty but CD Does Not Indicate a Prepayment Penalty | Resolved-Corrected Page #X to the HUD-X received. - XXX XXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-The Note shows a Prepayment Penalty of X% for the first XX months. Whereas, the Final HUD-X indicates on page #X "Does your loan have a prepayment penalty? NO." - XXX XXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Corrected Page #X to the HUD-X received. - XXX XXXXXXXX XXXXX-XX/XX/XXXX<br>| XXXXX XXXXXXXXX-XXXXXX-XX XXXXXXXX XXX XXXX XXXXXXXX XXXXX, XXXXXXXX, XX.XXX |  |  | NJ | Investment | Refinance | Cash Out - Other | 7494510 | N/A | N/A |
| XXXX | 2131401 |  |  | Closed | 2026-02-05 00:37 | 2026-02-09 12:27 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-XXXXXXXXXX acknowledges. - XXX XXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. - XXX XXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Acknowledged-XXXXXXXXXX acknowledges. - XXX XXXXXXXX XXXXX-XX/XX/XXXX<br>| XXXXXXXX XX/XX/XXXX XXXXXX.XXX |  |  | NJ | Investment | Refinance | Cash Out - Other | 7454850 | Investor Post-Close | No |
| XXXX | 2131402 |  |  | Closed | 2026-02-09 06:41 | 2026-02-13 05:58 | Resolved | 1 - Information C A | Credit | Insurance | HO-6 Insurance Policy is only Partially Present | Resolved-Receipt received showing $XXX.XX annual premium paid for this property. Issue resolved. - XXX XXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Counter-Correspondence chain received, but corroborating document is still missing from the file. - XXX XXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached email confirmation from the insurance agent. - XXXXXX-XX/XX/XXXX <br>Counter-The provided insurance document still does not list the premium amount for the subject property. - XXX XXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-HO-X Insurance Policy is only Partially Present The Hazard Insurance document was provided, but it is missing the Premium amount. Audit is unable to verify the hazard insurance amount for this property. - XXX XXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached email confirmation from the insurance agent. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Receipt received showing $XXX.XX annual premium paid for this property. Issue resolved. - XXX XXXXXXXX XXXXX-XX/XX/XXXX<br>| XX XXXXXXXX - XXX XXXXXX (X).XXX<br>XXXXX (XX).XXX<br>XXXXXXXX XX XXXX - XXX XXXX XXXXXX.XXX |  |  | NJ | Investment | Refinance | Cash Out - Other | 7513775 | N/A | N/A |
| XXXX | 2131402 |  |  | Closed | 2026-02-05 23:57 | 2026-02-10 05:57 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-XXXXXXXXXX acknowledges. - XXX XXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. - XXX XXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Acknowledged-XXXXXXXXXX acknowledges. - XXX XXXXXXXX XXXXX-XX/XX/XXXX<br>| XXXXXXXX XX/XX/XXXX XXXXXX.XXX |  |  | NJ | Investment | Refinance | Cash Out - Other | 7482729 | Investor Post-Close | No |
| XXXX | 2131402 |  |  | Closed | 2026-02-06 11:30 | 2026-02-10 05:57 | Resolved | 1 - Information C A | Compliance | Closing | Note Indicates Prepayment Penalty but CD Does Not Indicate a Prepayment Penalty | Resolved-Corrected Page #X to the HUD-X received. - XXX XXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-The Note shows a Prepayment Penalty of X% for the first XX months. Whereas, the Final HUD-X indicates on page #X "Does your loan have a prepayment penalty? NO." - XXX XXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Corrected Page #X to the HUD-X received. - XXX XXXXXXXX XXXXX-XX/XX/XXXX<br>| XXXXX XXXXXXXXX-XXXXXX-XX XXXXXXXX XXX XXX XXXXX XXXXX, XXXXXXXX, XX.XXX |  |  | NJ | Investment | Refinance | Cash Out - Other | 7494523 | N/A | N/A |
| XXXX | 2131403 |  |  | Closed | 2026-02-09 09:40 | 2026-02-13 06:00 | Resolved | 1 - Information C A | Credit | Insurance | HO-6 Insurance Policy is only Partially Present | Resolved-Receipt received showing $XXX.XX annual premium paid for this property. Issue resolved. - XXX XXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Counter-Correspondence chain received, but corroborating document is still missing from the file. - XXX XXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached email confirmation from the insurance agent. - XXXXXX-XX/XX/XXXX <br>Counter-The provided insurance document still does not list the premium amount for the subject property. - XXX XXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-HO-X Insurance Policy is only Partially Present The Hazard Insurance document was provided, but it is missing the Premium amount. Audit is unable to verify the hazard insurance amount for this property. - XXX XXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached email confirmation from the insurance agent. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Receipt received showing $XXX.XX annual premium paid for this property. Issue resolved. - XXX XXXXXXXX XXXXX-XX/XX/XXXX<br>| XX XXXXXXXX - XXX XXXXXX (X).XXX<br>XXXXX (XX).XXX<br>XXXXXXXX XX XXXX - XXX XXXX XXXXXX.XXX |  |  | NJ | Investment | Refinance | Cash Out - Other | 7518154 | N/A | N/A |
| XXXX | 2131403 |  |  | Closed | 2026-02-06 11:33 | 2026-02-10 06:00 | Resolved | 1 - Information C A | Compliance | Closing | Note Indicates Prepayment Penalty but CD Does Not Indicate a Prepayment Penalty | Resolved-Corrected Page #X to the HUD-X received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Note shows a Prepayment Penalty of X% for the first XX months. Whereas, the Final HUD-X indicates on page #X "Does your loan have a prepayment penalty? NO." - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Corrected Page #X to the HUD-X received. - Due Diligence Vendor-XX/XX/XXXX<br>| Order XXXXXXXXXXXXXX XXXXXXXXX XXXXXXXXXXXXXXXX, XXXXXXXXX, XX.xxx |  |  | NJ | Investment | Refinance | Cash Out - Other | 7494615 | N/A | N/A |
| XXXX | 2131403 |  |  | Closed | 2026-02-06 04:18 | 2026-02-10 06:00 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-XXXXXXXXX acknowledges. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Acknowledged-XXXXXXXXX acknowledges. - Due Diligence Vendor-XX/XX/XXXX<br>| Screenshot XXXX-XX-XX XXXXXX.png |  |  | NJ | Investment | Refinance | Cash Out - Other | 7484183 | Investor Post-Close | No |
| XXXX | 2131407 |  |  | Closed | 2026-02-05 03:39 | 2026-02-13 06:04 | Resolved | 1 - Information C A | Credit | Insurance | HO-6 Insurance Policy is only Partially Present | Resolved-HO-X Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Correspondence chain received, but corroborating document is still missing from the file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached email confirmation from the insurance agent. - Seller-XX/XX/XXXX <br>Counter-The provided insurance document still does not list the premium amount for the subject property. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-HO-X Insurance Policy is only Partially Present The Hazard Insurance document was provided, but it is missing the Premium amount. Audit is unable to verify the hazard insurance amount for this property. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached email confirmation from the insurance agent. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-HO-X Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX<br>| XX XXXXXXXXX - HOX Policy (X).xxx<br>image (XX).xxx<br>XXXXXXXXX XX Pack - HOI Paid XXXXXX.xxx |  |  | NJ | Investment | Refinance | Cash Out - Other | 7455805 | N/A | N/A |
| XXXX | 2131407 |  |  | Closed | 2026-02-05 04:22 | 2026-02-10 06:09 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-XXXXXXXXX acknowledges. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Acknowledged-XXXXXXXXX acknowledges. - Due Diligence Vendor-XX/XX/XXXX<br>| Screenshot XXXX-XX-XX XXXXXX.png |  |  | NJ | Investment | Refinance | Cash Out - Other | 7456143 | Investor Post-Close | No |
| XXXX | 2131407 |  |  | Closed | 2026-02-06 11:32 | 2026-02-10 06:08 | Resolved | 1 - Information C A | Compliance | Closing | Note Indicates Prepayment Penalty but CD Does Not Indicate a Prepayment Penalty | Resolved-Corrected Page #X to the HUD-X received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Note shows a Prepayment Penalty of X% for the first XX months. Whereas, the Final HUD-X indicates on page #X "Does your loan have a prepayment penalty? NO." - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Corrected Page #X to the HUD-X received. - Due Diligence Vendor-XX/XX/XXXX<br>| Order XXXXXXXXXXXXXX XXXXXXXXX XXXXXXXXXXXXXXXX, XXXXXXXXX, XX.xxx |  |  | NJ | Investment | Refinance | Cash Out - Other | 7494587 | N/A | N/A |
| XXXX | 2131404 |  |  | Closed | 2026-02-09 07:10 | 2026-02-13 06:01 | Resolved | 1 - Information C A | Credit | Insurance | HO-6 Insurance Policy is only Partially Present | Resolved-Receipt received showing $XXX.XX annual premium paid for this property. Issue resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Correspondence chain received, but corroborating document is still missing from the file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached email confirmation from the insurance agent. - Seller-XX/XX/XXXX <br>Counter-The provided insurance document still does not list the premium amount for the subject property. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-HO-X Insurance Policy is only Partially Present The Hazard Insurance document was provided, but it is missing the Premium amount. Audit is unable to verify the hazard insurance amount for this property. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached email confirmation from the insurance agent. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Receipt received showing $XXX.XX annual premium paid for this property. Issue resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XX XXXXXXXXX - HOX Policy (X).xxx<br>image (XX).xxx<br>XXXXXXXXX XX Pack - HOI Paid XXXXXX.xxx |  |  | NJ | Investment | Refinance | Cash Out - Other | 7514275 | N/A | N/A |
| XXXX | 2131404 |  |  | Closed | 2026-02-05 23:50 | 2026-02-10 06:02 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-XXXXXXXXX acknowledges. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Acknowledged-XXXXXXXXX acknowledges. - Due Diligence Vendor-XX/XX/XXXX<br>| Screenshot XXXX-XX-XX XXXXXX.png |  |  | NJ | Investment | Refinance | Cash Out - Other | 7482677 | Investor Post-Close | No |
| XXXX | 2131404 |  |  | Closed | 2026-02-06 11:30 | 2026-02-10 06:02 | Resolved | 1 - Information C A | Compliance | Closing | Note Indicates Prepayment Penalty but CD Does Not Indicate a Prepayment Penalty | Resolved-Corrected Page #X to the HUD-X received. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-The Note shows a Prepayment Penalty of X% for the first XX months. Whereas, the Final HUD-X indicates on page #X "Does your loan have a prepayment penalty? NO." - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Corrected Page #X to the HUD-X received. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXX XXXXXX-XXXXXX-XX XXXXXX XXX XXXX XXXXXXX XXXXX, XXXXXXXX, XX.xxx |  |  | NJ | Investment | Refinance | Cash Out - Other | 7494533 | N/A | N/A |
| XXXX | 2131397 |  |  | Closed | 2026-02-09 08:52 | 2026-02-13 06:06 | Resolved | 1 - Information C A | Credit | Insurance | HO-6 Insurance Policy is only Partially Present | Resolved-Receipt received showing $XXX.XX annual premium paid for this property. Issue resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Counter-Correspondence chain received, but corroborating document is still missing from the file. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached email confirmation from the insurance agent. - XXXXXX-XX/XX/XXXX <br>Counter-The provided insurance document still does not list the premium amount for the subject property. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-HO-X Insurance Policy is only Partially Present The Hazard Insurance document was provided, but it is missing the Premium amount. Audit is unable to verify the hazard insurance amount for this property. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached email confirmation from the insurance agent. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Receipt received showing $XXX.XX annual premium paid for this property. Issue resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XX XXXXXXXX - HOX Policy (X).xxx<br>xxxxx (XX).xxx<br>XXXXXXXX XX XXXX - HOI Paid XXXXXX.xxx |  |  | NJ | Investment | Refinance | Cash Out - Other | 7516441 | N/A | N/A |
| XXXX | 2131397 |  |  | Closed | 2026-02-06 11:33 | 2026-02-10 06:10 | Resolved | 1 - Information C A | Compliance | Closing | Note Indicates Prepayment Penalty but CD Does Not Indicate a Prepayment Penalty | Resolved-Corrected Page #X to the HUD-X received. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-The Note shows a Prepayment Penalty of X% for the first XX months. Whereas, the Final HUD-X indicates on page #X "Does your loan have a prepayment penalty? NO." - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Corrected Page #X to the HUD-X received. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXX XXXXXX-XXXXXX-XX XXXXXX XXX XXXX XXXXXXXX XXXXX, XXXXXXXX, XX.xxx |  |  | NJ | Investment | Refinance | Cash Out - Other | 7494600 | N/A | N/A |
| XXXX | 2131397 |  |  | Closed | 2026-02-05 06:07 | 2026-02-10 06:10 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-XXXXXXXX acknowledges. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Acknowledged-XXXXXXXX acknowledges. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXX XXXX-XX-XX XXXXXX.xxx |  |  | NJ | Investment | Refinance | Cash Out - Other | 7459782 | Investor Post-Close | No |
| XXXX | 2131412 |  |  | Closed | 2026-02-05 06:45 | 2026-02-11 07:20 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of XX.XX month(s) are greater than or equal to XXXXXXXX Required Reserves of X month(s) - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Additional assets of HUD-X provided. Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. c/o used from separate transaction for reserves - XXXXXX-XX/XX/XXXX <br>Open-Audited Reserves of month(s) are less than XXXXXXXX Required Reserves of X month(s) Asset statements in the loan file do not cover cash to close or the required reserve amount. Please provide asset documentation to support sufficient funds. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. c/o used from separate transaction for reserves - XXXXXX-XX/XX/XXXX<br>| Resolved-Audited Reserves of XX.XX month(s) are greater than or equal to XXXXXXXX Required Reserves of X month(s) - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Additional assets of HUD-X provided. Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XX.X XXXXXXX HUD C.O proceeds.xxx |  |  | NJ | Investment | Refinance | No Cash Out - Borrower Initiated | 7460851 | N/A | N/A |
| XXXX | 2131412 |  |  | Closed | 2026-02-09 12:46 | 2026-02-11 07:18 | Resolved | 1 - Information C A | Credit | Assets Insufficient | Assets are not sufficient to close | Resolved-HUD from refi provided to cover closing and reserves - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. c/o from other transaction used as reserves. - XXXXXX-XX/XX/XXXX <br>Open-Asset statements in file do not meet cash to close requirement. Please provide documentation to support funds to close. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. c/o from other transaction used as reserves. - XXXXXX-XX/XX/XXXX<br>| Resolved-HUD from refi provided to cover closing and reserves - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XX.X XXXXXXX HUD C.O proceeds.xxx |  |  | NJ | Investment | Refinance | No Cash Out - Borrower Initiated | 7522603 | N/A | N/A |
| XXXX | 2131411 |  |  | Closed | 2026-02-06 04:48 | 2026-02-11 07:22 | Resolved | 1 - Information B A | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Resolved-Waiver uploaded - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. Confirmed Note is signed by XXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Waiver uploaded - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXX XXXX-XX-XX XXXXXX.xxx |  |  | NJ | Investment | Refinance | Cash Out - Other | 7484505 | N/A | N/A |
| XXXX | 2131408 |  |  | Closed | 2026-02-06 02:49 | 2026-02-11 07:01 | Resolved | 1 - Information B A | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Resolved-Waiver uploaded - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. Confirmed Note is signed by LLC. - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. Confirmed Note is signed by LLC. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Waiver uploaded - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. Confirmed Note is signed by LLC. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXX XXXXXXXXXX XXXX-XX-XX XXXXXX.png |  |  | NJ | Investment | Refinance | Cash Out - Other | 7483490 | N/A | N/A |
| XXXX | 2133241 |  |  | Closed | 2026-02-06 01:28 | 2026-02-11 03:34 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-There are Uncleared alerts in Fraud report, provided updated Fraud Report, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Fraud - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing uncleared alert, provide updated fraud report.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Fraud - Seller-XX/XX/XXXX<br>| Resolved-There are Uncleared alerts in Fraud report, provided updated Fraud Report, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXXXX.pdf |  |  | TX | Primary Residence | Purchase | NA | 7483092 | N/A | N/A |
| XXXX | 2133248 |  |  | Closed | 2026-02-09 08:10 | 2026-02-17 09:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Borrower X Business Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Not using July statement using X.XX income for the month of July received clear legible copy of worksheet X updated employment page. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Income Worksheets - Seller-XX/XX/XXXX <br>Counter-Can we get updated income worksheet one on page. XXX is damaged unable to see the numbers - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Bank Statement LOE - We are not using this acct - Seller-XX/XX/XXXX <br>Open-Borrower X Business Bank Statements Missing Provide the XXXXXXX bank statements#XXXX for June and July XXXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Income Worksheets - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Bank Statement LOE - We are not using this acct - Seller-XX/XX/XXXX<br>| Resolved-Borrower X Business Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Not using July statement using X.XX income for the month of July received clear legible copy of worksheet X updated employment page. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXXX_XXX.pdf<br>XXXXXXXXXXXXXXXXXXXXXXXXX X.pdf<br>XXXXXXXXXXXXXXXXXXXXXXXXX.pdf |  |  | TX | Primary Residence | Purchase | NA | 7515555 | N/A | N/A |
| XXXX | 2133248 |  |  | Closed | 2026-02-08 22:48 | 2026-02-11 06:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Homeowners Association Questionnaire | Resolved-Not needed only X unit - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-HOA Questionnaire is Missing or Partial. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Condo Questionnaire LOE - Seller-XX/XX/XXXX <br>Open-HOA Questionnaire is Missing or Partial. Provide the Condo Questionnaire - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Condo Questionnaire LOE - Seller-XX/XX/XXXX<br>| Resolved-Not needed only X unit - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-HOA Questionnaire is Missing or Partial. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXXXXXXXXXXXXXX_LOE.pdf |  |  | TX | Primary Residence | Purchase | NA | 7509667 | N/A | N/A |
| XXXX | 2133248 |  |  | Closed | 2026-02-08 21:44 | 2026-02-11 03:07 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Race Selection is Not Provided | Resolved-Race Selection is Missing in XXXX, Provided updated XXXX, changes made in system, Finding ResolvedRace Selection is misisng in XXXX, Provided updated XXXX, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Race Selection is Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXX - Seller-XX/XX/XXXX <br>Open-Borrower X Race Selection is Not Provided Provide the final XXXX with race information - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXX - Seller-XX/XX/XXXX<br>| Resolved-Race Selection is Missing in XXXX, Provided updated XXXX, changes made in system, Finding ResolvedRace Selection is misisng in XXXX, Provided updated XXXX, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Race Selection is Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX.pdf |  |  | TX | Primary Residence | Purchase | NA | 7509470 | N/A | N/A |
| XXXX | 2133242 |  |  | Closed | 2026-02-06 02:15 | 2026-02-11 03:17 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-There are Uncleared alerts in Fraud report, provided updated Fraud Report, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required cleared report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| Resolved-There are Uncleared alerts in Fraud report, provided updated Fraud Report, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXXXX.pdf |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 7483295 | N/A | N/A |
| XXXX | 2133250 |  |  | Closed | 2026-02-06 05:28 | 2026-02-17 07:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Divorce Decree | Resolved-Received copy of divorce docs. Supports alimony - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Divorce documents showing Alimony to be paid. - Seller-XX/XX/XXXX <br>Counter-Need docs to support the alimony that is on the final XXXX for XXX.XX - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. CPA Letter confirming BX is XXX% owner - Seller-XX/XX/XXXX <br>Open-Provide Proof of document for Alimony as Final XXXX and Bank statements shows $XXX.XX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Divorce documents showing Alimony to be paid. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. CPA Letter confirming BX is XXX% owner - Seller-XX/XX/XXXX<br>| Resolved-Received copy of divorce docs. Supports alimony - Due Diligence Vendor-XX/XX/XXXX<br>| XXX XXXXXX.pdf<br>XXXXXXX XXXX.pdf |  |  | OR | Primary Residence | Purchase | NA | 7484864 | N/A | N/A |
| XXXX | 2133250 |  |  | Closed | 2026-02-09 09:42 | 2026-02-11 06:16 | Resolved | 1 - Information C A | Credit | Credit | Deficient Income Documentation | Resolved-Received CPA letter co borrower is XXX% owner of business - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. CPA Letter confirming B2 is XXX% owner - Seller-XX/XX/XXXX <br>Open-Based on letter in file borrower X is XXX% owner and the income being used for the business is from the co borrower. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. CPA Letter confirming B2 is XXX% owner - Seller-XX/XX/XXXX<br>| Resolved-Received CPA letter co borrower is XXX% owner of business - Due Diligence Vendor-XX/XX/XXXX<br>| XXX XXXXXX.xxx |  |  | OR | Primary Residence | Purchase | NA | 7518204 | N/A | N/A |
| XXXX | 2133250 |  |  | Closed | 2026-02-06 03:32 | 2026-02-11 02:22 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-There are Uncleared alerst in Fraud report, provided updated Fraud Report, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required clear fraud report is missing from file.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX<br>| Resolved-There are Uncleared alerst in Fraud report, provided updated Fraud Report, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX XXXXXX.xxx |  |  | OR | Primary Residence | Purchase | NA | 7483752 | N/A | N/A |
| XXXX | 2133238 |  |  | Closed | 2026-02-06 03:56 | 2026-02-17 09:04 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Guidelines do not state the master insurance need to show the individual unit address - Seller-XX/XX/XXXX <br>Counter- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Master Insurance - Seller-XX/XX/XXXX <br>Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'No' Provide proof of acceptable coverage ie. replacement cost estimator, policy amount is less than loan. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Guidelines do not state the master insurance need to show the individual unit address - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Master Insurance - Seller-XX/XX/XXXX<br>|  | XXXXXX XXXXXXXXX.xxx<br>XXXXXX XXXXXXXXX.xxx |  | Please provide policy that reflects property address | TX | Primary Residence | Purchase | NA | 7483951 | N/A | N/A |
| XXXX | 2133238 |  |  | Closed | 2026-02-06 06:20 | 2026-02-11 02:02 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-There is a DTI discrepancy, as tax value in XXXX reflecting as annually $XXX, per Appraisal HOA value is monthly i.e,, $XXX/X = XX.XX, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX <br>Open-DTI discrepancy or Failure - Audited DTI is XX.XX and lender DTI is XX.XX. the difference is X.XX. This is because lender considered HOA Fee is $XXX, whereas per our review it is $XX.XX (As per appraisal HOA fee is showing yearly XXX, but in XXXX it is monthly)<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX<br>| Resolved-There is a DTI discrepancy, as tax value in XXXX reflecting as annually $XXX, per Appraisal HOA value is monthly i.e,, $XXX/X = XX.XX, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX.xxx |  |  | TX | Primary Residence | Purchase | NA | 7486210 | N/A | N/A |
| XXXX | 2133246 |  |  | Closed | 2026-02-11 20:48 | 2026-02-17 02:19 | Resolved | 1 - Information C A | Credit | Eligibility | Potential Fraud Reflected on Fraud Report | Resolved-Updated fraud report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Potential Fraud Reflected on Fraud Report Per the XX XXX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing uncleared alert, provide updated fraud report.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| Resolved-Updated fraud report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX XXXXXX.xxx |  |  | WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7574839 | N/A | N/A |
| XXXX | 2133246 |  |  | Closed | 2026-02-11 23:36 | 2026-02-17 09:13 | Resolved | 1 - Information A | Compliance | Mavent | Fees: Limited | Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-XXXXXXXXXX requires every borrower in a residential mortgage loan to pay an $XX Foreclosure Prevention Fee. The System did not find an $XX fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "XXXXXXXXXX Foreclosure Prevention Fee". "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (RCW XX.XX; RCW XX.XX.XXX(XX)) Recording fee includes foreclosure prevention fee as listed on the settlement statement. Pg XX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-XXXXXXXXXX requires every borrower in a residential mortgage loan to pay an $XX Foreclosure Prevention Fee. The System did not find an $XX fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "XXXXXXXXXX Foreclosure Prevention Fee". "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (RCW XX.XX; RCW XX.XX.XXX(XX)) Recording fee includes foreclosure prevention fee as listed on the settlement statement. Pg XX. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7575607 | N/A | N/A |
| XXXX | 2131410 |  |  | Closed | 2026-02-11 21:06 | 2026-02-12 13:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Verifying documents received. Issue resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. page XX XXXXXXX county. - Seller-XX/XX/XXXX <br>Counter-Mill rate of X.XXXX was determined, but audit is unable to verify the source of the X.XXXX "XXXXXXXX's Assessed Value" - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. we calculated taxes as follows :<br>($XXX,XXX [appraised value] \* X.XXXX XXXXXXXX's assessed value)] \*X.XXXX [mill rate] = $XX,XXX.XX - Seller-XX/XX/XXXX <br>Open-Missing Evidence of Property Tax Property is a New Construction. Qualifying property tax is $X,XXX.XX monthly (about $XX,XXX.XX annual). Audit is unable to verify the lender's qualifying document and/or calculation of this property tax amount. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. page XX XXXXXXX county. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. we calculated taxes as follows :<br>($XXX,XXX [appraised value] \* X.XXXX XXXXXXXX's assessed value)] \*X.XXXX [mill rate] = $XX,XXX.XX - Seller-XX/XX/XXXX<br>| Resolved-Verifying documents received. Issue resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX XXXX XXX XX XXXXXXX.xxx<br>XXXXXXXX.xxx |  |  | NJ | Investment | Refinance | Cash Out - Other | 7574879 | N/A | N/A |
| XXXX | 2131410 |  |  | Closed | 2026-02-11 21:43 | 2026-02-12 12:24 | Resolved | 1 - Information C A | Credit | Doc Issue | Application Missing | Resolved-Application received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The lender's Loan Application is missing from the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Application received. - Due Diligence Vendor-XX/XX/XXXX<br>| XX XXXXXXX XXXX XXX (X).pdf |  |  | NJ | Investment | Refinance | Cash Out - Other | 7575041 | N/A | N/A |
| XXXX | 2131410 |  |  | Closed | 2026-02-11 20:25 | 2026-02-12 12:24 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-XXXXXXXXX acknowledged. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Acknowledged-XXXXXXXXX acknowledged. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXX XX/XX/XXXX XXXXXX.png |  |  | NJ | Investment | Refinance | Cash Out - Other | 7574721 | Investor Post-Close | No |
| XXXX | 2133230 |  |  | Closed | 2026-02-10 11:33 | 2026-02-13 01:51 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated fraud report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page #XXX) is showing uncleared alert, provide updated fraud report.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX<br>| Resolved-Updated fraud report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXXXX.pdf |  |  | NJ | Investment | Refinance | Cash Out - Other | 7542446 | N/A | N/A |
| XXXX | 2133186 |  |  | Closed | 2026-02-16 20:32 | 2026-02-17 13:51 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-XXXXXXXXX acknowledged - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Acknowledged-XXXXXXXXX acknowledged - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX (XX).png<br>XXXXXXXX XX/XX/XXXX XXXXXX.png |  |  | NJ | Investment | Refinance | Cash Out - Other | 7644172 | Investor Post-Close | No |
| XXXX | 2131409 |  |  | Closed | 2026-02-12 22:46 | 2026-02-13 12:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate was provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing Flood Certificate Flood Certificate for XXX XXXX XXXXXX is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Flood Certificate was provided. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX XXXX_XXX XXXX XXX_XXXX X.pdf |  |  | NJ | Investment | Refinance | Cash Out - Other | 7599788 | N/A | N/A |
| XXXX | 2133263 |  |  | Closed | 2026-02-12 22:51 | 2026-02-20 00:13 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XXX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing uncleared alert, provide updated fraud report.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXXXXX.pdf |  |  | LA | Primary Residence | Purchase | NA | 7599819 | N/A | N/A |
| XXXX | 2133263 |  |  | Closed | 2026-02-12 22:18 | 2026-02-20 00:13 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Updated Borrower X Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. GAP Credit - Seller-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). Please provide the GAP report and provided one has been expired - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. GAP Credit - Seller-XX/XX/XXXX<br>| Resolved-Updated Borrower X Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX<br>| XXX XXXXXX.pdf |  |  | LA | Primary Residence | Purchase | NA | 7599580 | N/A | N/A |
| XXXX | 2133255 |  |  | Closed | 2026-02-17 13:42 | 2026-02-18 13:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception is for cash out less than X months from a refinance had equity lien on property. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX <br>Open-Loan does not conform to program guidelines Missing the exception for cash out on loan less than X months. Base don title was originated in XXXXXXXXX of XXXX. Need the exception not in file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX<br>| Waived-Exception is for cash out less than X months from a refinance had equity lien on property. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXXXXXXXXXXX |  | XX.XX% DTI is below the maximum XX% DTI by X.XX%.<br> XXX Representative credit score exceeds the minimum required of XXX by XX points | WI | Primary Residence | Refinance | Cash Out - Other | 7662668 | Originator Pre-Close | Yes |
| XXXX | 2133255 |  |  | Closed | 2026-02-13 05:28 | 2026-02-18 13:26 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required cleared report is missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXXXXXXXX |  |  | WI | Primary Residence | Refinance | Cash Out - Other | 7604617 | N/A | N/A |
| XXXX | 2133247 |  |  | Closed | 2026-02-12 04:19 | 2026-02-17 01:52 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated fraud report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required cleared report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| Resolved-Updated fraud report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXXXXXXXX |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 7577630 | N/A | N/A |
| XXXX | 2133259 |  |  | Closed | 2026-02-16 23:55 | 2026-02-18 06:39 | Resolved | 1 - Information C A | Compliance | Fees:Limited | New Jersey - Recording Service Fee (MLFOP)(First Lien) | Resolved-Document Uploaded. Compliance Ease report and Seller Certificate - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Compliance Ease report and Seller Certificate - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-You charged a ($XX.XX) Recording Service Fee. The XXXXXXXXX XXXXXXXXXX XXXXXXXXX XXXXXXXXXX XXXXXX, Fees, Obligations Provisions limit the amount of the additional service fee for recording a cancellation of a mortgage to $XX. (X.X.X.X. X:X-XX.X(a)(X)) Updated Recording Service fee as per Document. however its limited in XX state. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Compliance Ease report and Seller Certificate - Seller-XX/XX/XXXX<br>| Resolved-Document Uploaded. Compliance Ease report and Seller Certificate - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXXXXXXXXXXXXXXXXXX<br>XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 7645130 | N/A | N/A |
| XXXX | 2133259 |  |  | Closed | 2026-02-16 22:16 | 2026-02-18 03:28 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Requested secondary valuation provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXX XXX - LCA score of X - Seller-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X The file is missing secondary valuation or additional valuation. Provide a XXXXX or XXXXX UCDP/SSR report with a score less than X.X, or an appraisal desk review.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXX XXX - LCA score of X - Seller-XX/XX/XXXX<br>| Resolved-Requested secondary valuation provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXXXXXXXXXXXXXX |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 7644640 | N/A | N/A |
| XXXX | 2133259 |  |  | Closed | 2026-02-16 23:55 | 2026-02-17 13:26 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 0XXX)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXXXXX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX-XXX An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and copy of the appraisal was given to the borrower – see Pg#'sXXX for the copy of the disclosure. The loan meets HPML guidelines.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXXXXX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX-XXX An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and copy of the appraisal was given to the borrower – see Pg#'sXXX for the copy of the disclosure. The loan meets HPML guidelines.<br> - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 7645129 | N/A | N/A |
| XXXX | 2133185 |  |  | Closed | 2026-02-20 10:28 | 2026-02-20 13:20 | Resolved | 1 - Information C A | Credit | Doc Issue | Application Missing | Resolved-Application received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The application is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Application received. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX |  |  | NJ | Investment | Refinance | Cash Out - Other | 7724855 | N/A | N/A |
| XXXX | 2133185 |  |  | Closed | 2026-02-17 20:26 | 2026-02-20 13:19 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-XXXXXXXXX Acknowledged. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Acknowledged-XXXXXXXXX Acknowledged. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| Screenshot XXXX-XX-XX XXXXXX.png |  |  | NJ | Investment | Refinance | Cash Out - Other | 7669823 | Investor Post-Close | No |
| XXXX | 2133184 |  |  | Closed | 2026-02-20 08:24 | 2026-02-20 13:13 | Resolved | 1 - Information C A | Credit | Doc Issue | Application Missing | Resolved-Application received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Application is missing from the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Application received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| Loan App X XXXXXXXX Addendum.pdf |  |  | NJ | Investment | Refinance | Cash Out - Other | 7720705 | N/A | N/A |
| XXXX | 2133184 |  |  | Closed | 2026-02-17 02:11 | 2026-02-20 13:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Corrected Insurance policy received that shows the Flood included. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. flood is included in the insurance endorsements. - Seller-XX/XX/XXXX <br> Open-Missing Flood Insurance Policy Per the Flood Cert, the property is in Flood Zone "XX," making Flood Insurance required. The Evidence of Commercial Property Insurance (policy #XXXXXXXXXX) indicates that Flood is not applicable on that policy. Evidence of other flood insurance or sufficient flood coverage is missing from the file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. flood is included in the insurance endorsements. - Seller-XX/XX/XXXX<br>| Resolved-Corrected Insurance policy received that shows the Flood included. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XX X XXXXXXX PROP REVISED BCC (XXX) (X).pdf |  |  | NJ | Investment | Refinance | Cash Out - Other | 7645734 | N/A | N/A |
| XXXX | 2133184 |  |  | Closed | 2026-02-17 01:11 | 2026-02-20 13:09 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-XXXXXXXXX acknowledged. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Acknowledged-XXXXXXXXX acknowledged. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| Screenshot XXXX-XX-XX XXXXXX.png |  |  | NJ | Investment | Refinance | Cash Out - Other | 7645545 | Investor Post-Close | No |
| XXXX | 2133183 |  |  | Closed | 2026-02-20 08:32 | 2026-02-20 13:16 | Resolved | 1 - Information C A | Credit | Doc Issue | Application Missing | Resolved-Application received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The application is missing from the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Application received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| Loan App X XXXXXXXX Addendum.pdf |  |  | NJ | Investment | Refinance | Cash Out - Other | 7721052 | N/A | N/A |
| XXXX | 2133183 |  |  | Closed | 2026-02-17 03:51 | 2026-02-20 13:15 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-XXXXXXXXX acknowledged. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Acknowledged-XXXXXXXXX acknowledged. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| Screenshot XXXX-XX-XX XXXXXX.png |  |  | NJ | Investment | Refinance | Cash Out - Other | 7646666 | Investor Post-Close | No |
| XXXX | 2133187 |  |  | Closed | 2026-02-19 12:49 | 2026-02-20 13:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Clarification from the lender received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-it appears we over-collected for insurance. The annual amount is $XXX.XX as per the policy and HUD. This will get corrected with the servicer.<br> - Seller-XX/XX/XXXX <br>Open-Hazard Insurance Policy Partially Provided Hazard Insurance Declaration provided (XXXXXXXX Insurance, policy #XXXXXXXXXXXXXXXXXX) has a policy premium of $XXX.XX ($XX.XX monthly), which is also shown on the Final HUD line #XXX. However, the qualifying insurance is $XXX.XX ($XX.XX) as shown on the First Payment Letter and the HUD line #XXXX. Audit is unable to determine the true insurance amount or the possibility of a missing document.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-it appears we over-collected for insurance. The annual amount is $XXX.XX as per the policy and HUD. This will get corrected with the servicer.<br> - Seller-XX/XX/XXXX<br>| Resolved-Clarification from the lender received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | IA | Investment | Refinance | No Cash Out - Borrower Initiated | 7705381 | N/A | N/A |

---

## Exhibit 99.11

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.11 - Schedule 3**

---

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 2127955 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 5 | XXXX |
| 2115813 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX Eligible |  | XXXX |
| 2109818 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 88.89 | 88.89 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2109831 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.5 | XXXX |
| 2122554 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX Eligible |  | XXXX |
| 2127958 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 64.55 | 64.55 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2126841 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 21.66 | 21.66 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.2 | XXXX |
| 2122616 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2122609 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX Eligible |  | XXXX |
| 2122587 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2122559 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2126854 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2122588 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2122592 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 52.38 | 52.38 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 | XXXX |
| 2129768 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2114448 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2133234 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 50.85 | 50.85 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2122600 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2122605 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| 2122557 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2122570 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 72.63 | 72.63 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2122563 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 37.74 | 37.74 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX Eligible |  | XXXX |
| 2122555 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2122566 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2122598 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 76.72 | 76.72 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| 2122580 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.3 | XXXX |
| 2126851 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0780 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | -.0780 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2122590 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX Eligible |  | XXXX |
| 2122573 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 73.68 | 73.68 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2122583 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| 2122571 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 45.18 | 45.18 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2122565 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 28.19 | 28.19 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2122553 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 64.31 | 64.31 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2122576 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX Eligible |  | XXXX |
| 2122597 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.6 | XXXX |
| 2122575 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2122611 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.63 | 20.63 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX Eligible |  | XXXX |
| 2129769 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 56.74 | 56.74 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2126852 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2122604 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2133264 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 53.57 | 53.57 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2122560 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0286 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.6 | XXXX |
| 2126855 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2122572 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2124098 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 64.73 | 64.73 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2126842 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 41.45 | 41.45 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| 2126843 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 76.23 | 76.23 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2122596 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2124103 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2126846 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.5 | XXXX |
| 2122569 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 69.07 | 69.07 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2126845 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 49.84 | 49.84 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2126844 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 68.01 | 68.01 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible |  | XXXX |
| 2126849 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.2 | XXXX |
| 2124102 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2124104 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2124099 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2124105 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.07 | 65.07 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2124106 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 34.76 | 34.76 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2124100 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2126850 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 55.36 | 55.36 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate RIsk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2123468 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2124097 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2131393 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2129776 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2129795 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.1 | XXXX |
| 2133235 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2129787 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible |  | XXXX |
| 2129789 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 68.35 | 68.35 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| 2129788 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 36.36 | 36.36 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2129792 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2133258 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 77.87 | 77.87 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| 2128027 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2133262 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2133253 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX Eligible |  | XXXX |
| 2127957 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0261 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0261 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2129773 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX Eligible |  | XXXX |
| 2133260 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2133231 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 67.82 | 67.82 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2129777 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| 2133251 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2125847 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2129783 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2129774 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2129785 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 79.55 | 79.55 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2133232 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.2 | XXXX |
| 2133256 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.2 | XXXX |
| 2129775 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 77.5 | 77.5 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2133252 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2133257 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2133240 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 68.51 | 68.51 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2133249 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2133254 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| 2131400 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 68.93 | 68.93 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2131405 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2131398 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 68.0 | 68.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2131399 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 68.0 | 68.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2131401 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 69.33 | 69.33 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2131402 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 69.33 | 69.33 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2131403 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2131407 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 63.43 | 63.43 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2131404 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2131397 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 64.75 | 64.75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2131412 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 61.86 | 61.86 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2131411 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2128028 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2131408 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2133241 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2133245 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2133248 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2133242 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 46.21 | 46.21 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2133250 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2133238 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.1 | XXXX |
| 2128026 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2133246 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 32.32 | 32.32 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2133239 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2131410 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2133230 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 19.71 | 19.71 | XXXX | XXXX | -.0090 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.1 | XXXX |
| 2133186 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2131409 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2133263 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 55.0 | 55.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2133255 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2133247 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2133259 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 59.62 | 59.62 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| 2133185 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 66.91 | 66.91 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2133184 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2133183 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 59.56 | 59.56 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2133187 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2133314 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |

---

## Exhibit 99.11

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.11 - Schedule 4**

---

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| **Seller Loan ID** | **Loan ID** | **Investor Loan ID** | **Lender Name** | **Transaction ID** | **ULI** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 1 SSN** | **Borrower 1 Birthdate** | **Borrower 1 Gender** | **Borrower 1 Ethnicity** | **Borrower 1 Race** | **Borrower 1 Citizen** | **Borrower 1 Self-Employment Flag** | **Borrower 1 FTHB** | **Borrower 1 FICO Date** | **Borrower 1 Origination FICO** | **Borrower 1 Origination Equifax** | **Borrower 1 Origination Experian** | **Borrower 1 Origination TransUnion** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 2 SSN** | **Borrower 2 Birthdate** | **Borrower 2 Gender** | **Borrower 2 Ethnicity** | **Borrower 2 Race** | **Borrower 2 Citizen** | **Borrower 2 Self-Employment Flag** | **Borrower 2 FTHB** | **Borrower 2 FICO Date** | **Borrower 2 Origination FICO** | **Borrower 2 Origination Equifax** | **Borrower 2 Origination Experian** | **Borrower 2 Origination TransUnion** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 3 SSN** | **Borrower 3 Birthdate** | **Borrower 3 Gender** | **Borrower 3 Ethnicity** | **Borrower 3 Race** | **Borrower 3 Citizen** | **Borrower 3 Self-Employment Flag** | **Borrower 3 FTHB** | **Borrower 3 FICO Date** | **Borrower 3 Origination FICO** | **Borrower 3 Origination Equifax** | **Borrower 3 Origination Experian** | **Borrower 3 Origination TransUnion** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 4 SSN** | **Borrower 4 Birthdate** | **Borrower 4 Gender** | **Borrower 4 Ethnicity** | **Borrower 4 Race** | **Borrower 4 Citizen** | **Borrower 4 Self-Employment Flag** | **Borrower 4 FTHB** | **Borrower 4 FICO Date** | **Borrower 4 Origination FICO** | **Borrower 4 Origination Equifax** | **Borrower 4 Origination Experian** | **Borrower 4 Origination TransUnion** | **Subject Address** | **Subject City** | **Subject Sate** | **Subject Zip Code** | **Subject County** | **Originator Doc Type** | **Occupancy** | **Loan Purpose** | **Refinance Type** | **Qualifying Front End DTI** | **Qualifying DTI** | **Borrower 1 Qualifying Income** | **Borrower 2 Qualifying Income** | **Borrower 3 Qualifying Income** | **Borrower 4 Qualifying Income** | **All Borrower Total Qualifying Income** | **Borrower 1 Employment Status** | **Borrower 2 Employment Status** | **Borrower 3 Employment Status** | **Borrower 4 Employment Status** | **Borrower 1 Length of Employment** | **Borrower 2 Length of Employment** | **Borrower 3 Length of Employment** | **Borrower 4 Length of Employment** | **4506-T Flag** | **All Borrower Residual Income** | **All Borrower Monthly Debt** | **Escrow Flag** | **Months Reserves** | **Liquid Cash Reserves** | **Original Note Loan Amount** | **Original Qualifying Loan Amount** | **Original Qualifying Base LTV** | **Original Qualifying LTV** | **Original Qualifying CLTV** | **Application Date** | **Note Date** | **Cash Disbursement Date** | **Mortgage Type** | **Loan Product** | **Loan Program** | **Original Note Interest Rate** | **Original Qualifying Interest Rate** | **Original P&I Payment** | **Original Qualifying P&I Payment** | **Monthly Escrow Payment** | **Original Total Housing Expense (PITIA)** | **First Payment Date** | **Amortization Type** | **Original Amortization Term** | **Original Term to Maturity** | **Maturity Date** | **ARM Gross Margin** | **ARM Rounding Method** | **ARM Rounding Factor** | **ARM Lookback Days** | **ARM Rate Index Type** | **Origination ARM Rate Index Value** | **ARM Initial Interest Rate Cap** | **ARM Subsequent Interest Rate Cap** | **ARM Initial Interest Rate Floor** | **ARM Lifetime Interest Rate Floor** | **ARM Initial Interest Rate Maximum** | **ARM Lifetime Interest Rate Maximum** | **ARM First Rate Reset Date** | **ARM First Payment Reset Date** | **ARM Subsequent Interest Rate Reset Frequency** | **ARM Subsequent Payment Reset Frequency** | **Interest Only Flag** | **Original Interest Only Term** | **Balloon Flag** | **Buydown Flag** | **Assumable Flag** | **Prepayment Penalty Flag** | **Prepayment Penalty Total Term** | **Prepayment Penalty Type** | **Origination Channel** | **PMI Flag** | **MI Certificate Number** | **Mortgage Insurance Percent** | **Mortgage Insurance Type** | **Mortgage Insurance Company Name** | **MERS MOM Flag** | **MERS Loan ID** | **Property Type** | **Number of Units** | **Year Built** | **Primary Value Property Valuation Date** | **Primary Value Property Valuation Type** | **Primary Value Property Value** | **Secondary Value Property Valuation Date** | **Secondary Value Property Form Type** | **Secondary Value Property Value** | **Sales Price** | **Qualifying Property Value** | **Date of Prior Sale** | **Days Since Prior Sale** | **Total Adjusted Prior Purchase Price** | **Flood Zone Flag** | **Flood Zone Code** | **Flood Policy Number** | **Other Lien Amount** | **Other Lien Position** | **Originator QM Status** | **Final QM Status** | **Total Number of Borrowers** | **Cash Out Amount** | **Total Origination and Discount Points** | **Number of Mortgaged Properties** | **Credit Report: Max Trade Line** | **Credit Report: Longest Trade Line** | **Credit Report: Number of Trade Lines** | **Credit Line Usage Ratio** | **Borrower 1 Years in Home** | **GSE Eligible Flag** | **AUS Case Number** | **AUS Recommendation** | **QM Points and Fees** | **Annual Percent Rate (APR)** | **Higher Priced Mortgage Loan (HPML) Flag** | **Covered/High Cost Loan Flag** | **Guideline Name** | **UW Guideline Author** | **Blanket Mortgage Flag** |
|  | 2127955 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 780 | 785 | 780 | 773 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Full Doc | Primary Residence | Refinance | Cash Out - Other | 17.82 | 36.84 | 11664.08 | .00 | .00 | .00 | 11664.08 | Employed |  |  |  | 7.38 |  |  |  | 3 YRS | 7367.08 | 4297 | No Escrow | 83.91 | 174459.15 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 7.625 | 7.625 | XXX | XXX | 0 | 2079 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 174459.15 | 6769.40 | 1 | 40467 | 398 | 9 | XXX | 0.75 | No | XXXX | Manual Underwriting | 0 | 8.098 | No | No | XXXX | XXXX | No |
|  | 2115813 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 709 | 713 | 709 | 672 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 15.96 | 25.18 | 73114.65 | .00 | .00 | .00 | 73114.65 | Employed |  |  |  | 10.31 |  |  |  | 2 YRS | 54706.68 | 18407.97 | Taxes and Insurance | 11.47 | 133853.27 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 7.875 | 7.875 | XXX | XXX | 2275.21 | 11671.97 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 35014.67 | 1 | 79743 | 290 | 22 | XXX | 12.75 | No | XXXX | Manual Underwriting | 0 | 8.229 | No | No | XXXX | XXXX | No |
|  | 2109818 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 762 | 762 | 769 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | GA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 23.53 | 31.2 | 33815.25 | .00 | .00 | .00 | 33815.25 | Employed |  |  |  | 3.38 |  |  |  | 2 YRS | 23264.55 | 10550.7 | Taxes and Insurance | 8.12 | 64624.3 | XXXX | XXXX | 88.89 | 88.89 | 88.89 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 7.5 | 7.5 | XXX | XXX | 963.98 | 7956.12 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1425.00 | 1 | 109558 | 225 | 12 | XXX | 5.00 | No | XXXX | Manual Underwriting | 0 | 7.708 | No | No | XXXX | XXXX | No |
|  | 2109831 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 816 | 816 | 817 | 795 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 30.14 | 33.62 | 14970.24 | .00 | .00 | .00 | 14970.24 | Employed |  |  |  | 2.81 |  |  |  | Yes | 9937.57 | 5032.67 | Taxes and Insurance | 30.98 | 139751.67 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 6.875 | 6.875 | XXX | XXX | 993.87 | 4511.72 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 15289.10 | 1 | 20000 | 212 | 8 | XXX | 2.50 | No | XXXX | Manual Underwriting | 20644.1 | 7.464 | No | No | XXXX | XXXX | No |
|  | 2122554 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 723 | 730 | 723 | 710 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 750 | 739 | 750 | 761 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Second Home | Refinance | Cash Out - Other | 10.83 | 23.73 | 33902.51 | .00 | .00 | .00 | 33902.51 | Not Employed | Not Employed |  |  |  |  |  |  | Yes | 25856.37 | 8046.14 | Taxes and Insurance | 105.79 | 388276.18 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 7.5 | 7.5 | XXX | XXX | 1247.62 | 3670.4 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 338790.13 | 1425.00 | 2 | 29000 | 566 | 4 | XXX | 30 | No | XXXX | Manual Underwriting | 8355 | 7.576 | No | No | XXXX | XXXX | No |
|  | 2127958 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 769 | 760 | 777 | 769 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 771 | 755 | 799 | 771 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NH | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 21.04 | 27.45 | 30000.00 | .00 | .00 | .00 | 30000.00 | Employed | Not Employed |  |  | 4.79 |  |  |  | 3 YRS | 21766.28 | 8233.72 | Taxes and Insurance | 269.54 | 1701007.34 | XXXX | XXXX | 64.55 | 64.55 | 64.55 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 7 | 7 | XXX | XXX | 1587.07 | 6310.72 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 1595.00 | 2 | 36300 | 366 | 11 | XXX | 1.42 | No | XXXX | Manual Underwriting | 1595 | 7.035 | No | No | XXXX | XXXX | No |
|  | 2126841 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 798 | 787 | 798 | 804 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 43.2 | 47.09 | 7773.54 | .00 | .00 | .00 | 7773.54 | Not Employed |  |  |  |  |  |  |  | 2 YRS | 4113.26 | 3660.28 | No Escrow | 106.31 | 357029.19 | XXXX | XXXX | 21.66 | 21.66 | 21.66 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 6.875 | 6.875 | XXX | XXX | 0 | 3358.28 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 29710.08 | 1425.00 | 1 | 22000 | 552 | 11 | XXX | 20.00 | No | XXXX | Manual Underwriting | 6635 | 6.951 | No | No | XXXX | XXXX | No |
|  | 2122616 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 762 | 782 | 758 | 762 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 13.7 | 30.72 | 20641.85 | .00 | .00 | .00 | 20641.85 | Employed |  |  |  | 3.32 |  |  |  | 3 YRS | 14301.48 | 6340.37 | Taxes and Insurance | 57.9 | 163781.35 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 7.25 | 7.25 | XXX | XXX | 947.02 | 2828.64 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 141855.36 | 1476.40 | 2 | 27176 | 342 | 12 | XXX | 12.17 | No | XXXX | Manual Underwriting | 9220.4 | 7.362 | No | No | XXXX | XXXX | No |
|  | 2122609 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 725 | 725 | 741 | 720 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | true | XXXX | 704 | 730 | 693 | 704 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 13.51 | 20.3 | 56159.98 | .00 | .00 | .00 | 56159.98 | Employed | Not Employed |  |  | 6.06 |  |  |  | NA | 44757.23 | 11402.75 | Taxes and Insurance | 6.09 | 46167.03 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 8.5 | 8.5 | XXX | XXX | 1617.71 | 7584.9 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 10130.70 | 1 | 27121 | 210 | 15 | XXX | 3.00 | No | XXXX | Manual Underwriting | 10130.7 | 8.751 | Yes | No | XXXX | XXXX | No |
|  | 2122587 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 674 | 658 | 674 | 687 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 15.23 | 36.09 | 20544.76 | .00 | .00 | .00 | 20544.76 | Employed |  |  |  | 11.36 |  |  |  | 2 YRS | 13131.02 | 7413.74 | No Escrow | 8.68 | 27156.26 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 7.25 | 7.25 | XXX | XXX | 0 | 3128.49 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 6339.00 | 1 | 87983 | 131 | 18 | XXX | 10.00 | No | XXXX | Manual Underwriting | 0 | 7.792 | Yes | No | XXXX | XXXX | No |
|  | 2122559 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 797 | 797 | 787 | 800 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 35.16 | 35.94 | 10165.29 | .00 | .00 | .00 | 10165.29 | Employed |  |  |  | 15.75 |  |  |  | NA | 6512.12 | 3653.17 | Taxes and Insurance | 3.22 | 11502.32 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 6.875 | 6.875 | XXX | XXX | 1031.26 | 3574.17 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 2383.36 | 1 | 20297 | 260 | 5 | XXX | 12 | No | XXXX | Manual Underwriting | 2383.36 | 7.002 | No | No | XXXX | XXXX | No |
|  | 2126854 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 793 | 793 | 800 | 789 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 20.41 | 24.73 | 31462.20 | .00 | .00 | .00 | 31462.20 | Employed |  |  |  | 5.88 |  |  |  | 2 YRS | 23680.31 | 7781.89 | Taxes and Insurance | 14.3 | 91864.85 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 7.375 | 7.375 | XXX | XXX | 1107.14 | 6421.89 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 3448.79 | 1 | 46966 | 114 | 4 | XXX | 3.00 | No | XXXX | Manual Underwriting | 16815 | 7.669 | No | No | XXXX | XXXX | No |
|  | 2122588 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 666 | 674 | 666 | 652 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 668 | 673 | 660 | 668 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 13.49 | 39.31 | 40168.08 | .00 | .00 | .00 | 40168.08 | Employed | Not Employed |  |  | 10.89 |  |  |  | 2 YRS | 24378.13 | 15789.95 | No Escrow | 31.32 | 169740.64 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 7.25 | 7.25 | XXX | XXX | 0 | 5419.95 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 12424.71 | 2 | 19001 | 298 | 31 | XXX | 4.08 | No | XXXX | Manual Underwriting | 23343.31 | 7.719 | No | No | XXXX | XXXX | No |
|  | 2122592 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 699 | 715 | 699 | 695 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 26.41 | 44.27 | 11498.00 | .00 | .00 | .00 | 11498.00 | Retired |  |  |  |  |  |  |  | 1 YR | 6407.69 | 5090.31 | No Escrow | 36.67 | 111342.66 | XXXX | XXXX | 52.38 | 52.38 | 52.38 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 7.375 | 7.375 | XXX | XXX | 0 | 3036.73 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1425.00 | 1 | 35000 | 796 | 7 | XXX | 11.00 | No | XXXX | Manual Underwriting | 0 | 7.603 | No | No | XXXX | XXXX | No |
|  | 2129768 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 792 | 792 | 798 | 779 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | true | XXXX | 756 | 756 | 769 | 754 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | UT | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 37.15 | 43.14 | 3910.81 | 3917.42 | .00 | .00 | 7828.23 | Not Employed | Employed |  |  |  | 2.87 |  |  | 2 YRS | 4451.16 | 3377.07 | Taxes | 95.16 | 276730 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 7 | 7 | XXX | XXX | 212.83 | 2908.07 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 5288.71 | 1 | 34100 | 194 | 3 | XXX | 0.58 | No | XXXX | Manual Underwriting | 13774.46 | 7.220 | No | No | XXXX | XXXX | No |
|  | 2114448 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 710 | 710 | 734 | 653 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 20.48 | 36.97 | 41913.72 | .00 | .00 | .00 | 41913.72 | Employed |  |  |  | 3.67 |  |  |  | NA | 26419.95 | 15493.77 | Taxes and Insurance | 12 | 103070.56 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 8.625 | 8.625 | XXX | XXX | 1669.84 | 8585.77 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 19155.00 | 1 | 46100 | 316 | 22 | XXX | 1 | No | XXXX | Manual Underwriting | 19830 | 8.928 | Yes | No | XXXX | XXXX | No |
|  | 2133234 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-Permanent Non-US Citizen |  | false | XXXX | 658 | 660 | 658 | 656 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | PA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1731 | Taxes and Insurance | 79.63 | 192470.23 | XXXX | XXXX | 50.85 | 50.85 | 50.85 | XXXX | XXXX | XXXX | DSCR | Fixed | XXX | 8.5 | 8.5 | XXX | XXX | 798.6 | 2417.16 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 192470.23 | .00 | 1 | 500000 | 103 | 6 | XXX | 2.25 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2122600 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 690 | 704 | 670 | 690 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 699 | 699 | 658 | 712 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 8.13 | 34.65 | 35089.74 | .00 | .00 | .00 | 35089.74 | Employed | Not Employed |  |  | 4.18 |  |  |  | Yes | 22930.28 | 12159.46 | Taxes and Insurance | 5.92 | 16882.55 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 7.625 | 7.625 | XXX | XXX | 253.54 | 2852.46 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 1471.28 | 2 | 18700 | 221 | 14 | XXX | 10.42 | No | XXXX | Manual Underwriting | 10325 | 7.755 | No | No | XXXX | XXXX | No |
|  | 2122605 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 773 | 774 | 767 | 773 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 23.06 | 35.3 | 43679.00 | .00 | .00 | .00 | 43679.00 | Employed |  |  |  | 8.4 |  |  |  | 2 YRS | 28260.01 | 15418.99 | Taxes and Insurance | 9.57 | 96372.47 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 7.875 | 7.875 | XXX | XXX | 1506.03 | 10072.34 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1425.00 | 2 | 21900 | 155 | 5 | XXX | 2.58 | No | XXXX | Manual Underwriting | 14120 | 8.089 | Yes | No | XXXX | XXXX | No |
|  | 2122557 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 723 | 723 | 739 | 704 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | GA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 19.08 | 41.21 | 23441.00 | .00 | .00 | .00 | 23441.00 | Employed |  |  |  | 4.98 |  |  |  | NA | 13781.43 | 9659.57 | Taxes and Insurance | 17.34 | 77577.37 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 6.875 | 6.875 | XXX | XXX | 1139.58 | 4473.49 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1425.00 | 3 | 26000 | 204 | 9 | XXX | 6.00 | No | XXXX | Manual Underwriting | 12209.38 | 6.953 | No | No | XXXX | XXXX | No |
|  | 2122570 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 789 | 799 | 789 | 787 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 20.46 | 27.47 | 11771.05 | .00 | .00 | .00 | 11771.05 | Employed |  |  |  | 2.02 |  |  |  | 3 YRS | 8537.44 | 3233.61 | Taxes and Insurance | 89.35 | 215205.09 | XXXX | XXXX | 72.63 | 72.63 | 72.63 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 6.875 | 6.875 | XXX | XXX | 520.6 | 2408.61 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1458.80 | 1 | 35016 | 272 | 7 | XXX | 1.42 | No | XXXX | Manual Underwriting | 7925 | 6.998 | No | No | XXXX | XXXX | No |
|  | 2122563 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 803 | 799 | 803 | 816 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 790 | 795 | 773 | 790 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CO | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 41.52 | 45.8 | 19673.86 | 1635.28 | .00 | .00 | 21309.14 | Not Employed | Not Employed |  |  |  |  |  |  | 2 YRS | 11549.96 | 9759.18 | No Escrow | 59.51 | 526595.75 | XXXX | XXXX | 37.74 | 37.74 | 37.74 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 6.75 | 6.75 | XXX | XXX | 0 | 8848.18 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 1425.00 | 2 | 100000 | 447 | 5 | XXX | 0.33 | No | XXXX | Manual Underwriting | 13925 | 6.797 | No | No | XXXX | XXXX | No |
|  | 2122555 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 714 | 714 | 722 | 709 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MI | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 13.02 | 40.78 | 27379.59 | .00 | .00 | .00 | 27379.59 | Employed |  |  |  | 20.82 |  |  |  | NA | 16214.93 | 11164.66 | Taxes and Insurance | 71.99 | 256645.56 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 7.75 | 7.75 | XXX | XXX | 599.22 | 3565.17 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 188944.65 | 1425.00 | 3 | 98823 | 217 | 14 | XXX | 8 | No | XXXX | Manual Underwriting | 1425 | 7.847 | Yes | No | XXXX | XXXX | No |
|  | 2122566 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 760 | 757 | 782 | 760 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 774 | 786 | 753 | 774 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OR | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 18.79 | 39.3 | 7433.84 | 7433.84 | .00 | .00 | 14867.68 | Employed | Employed |  |  | 2.7 | 2.72 |  |  | Yes | 9024.65 | 5843.03 | Taxes and Insurance | 41.55 | 116063.42 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 6.875 | 6.875 | XXX | XXX | 433.34 | 2793.03 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 2368.70 | 2 | 37240 | 88 | 5 | XXX | 5.41 | No | XXXX | Manual Underwriting | 12246.7 | 7.001 | No | No | XXXX | XXXX | No |
|  | 2122598 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 663 | 639 | 663 | 687 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TN | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 41.54 | 49.35 | 24951.36 | .00 | .00 | .00 | 24951.36 | Employed |  |  |  | 11.12 |  |  |  | 2 YRS | 12638.02 | 12313.34 | No Escrow | 3.83 | 36025.45 | XXXX | XXXX | 76.72 | 76.72 | 76.72 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 7.625 | 7.625 | XXX | XXX | 0 | 9406.5 | XXXX | Fixed | 360 | 480 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 4243.84 | 1 | 65030 | 274 | 11 | XXX | 5.67 | No | XXXX | Manual Underwriting | 0 | 7.732 | No | No | XXXX | XXXX | No |
|  | 2122580 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 725 | 738 | 691 | 725 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AL | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 7.52 | 33.88 | 26181.00 | .00 | .00 | .00 | 26181.00 | Employed |  |  |  | 4.39 |  |  |  | 2 YRS | 17310.82 | 8870.18 | Taxes and Insurance | 3.63 | 7145.32 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 7.125 | 7.125 | XXX | XXX | 326.87 | 1969.06 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1456.63 | 2 | 108365 | 128 | 11 | XXX | 2.25 | No | XXXX | Manual Underwriting | 0 | 7.270 | No | No | XXXX | XXXX | No |
|  | 2126851 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 710 | 700 | 725 | 710 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 11.14 | 22.18 | 37031.85 | .00 | .00 | .00 | 37031.85 | Employed |  |  |  | 6.89 |  |  |  | Yes | 28817.67 | 8214.18 | Taxes and Insurance | 31.25 | 128955.36 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 7.25 | 7.25 | XXX | XXX | 579.86 | 4127.18 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1425.00 | 2 | 300 | 159 | 1 | XXX | 4 | No | XXXX | Manual Underwriting | 13625 | 7.334 | No | No | XXXX | XXXX | No |
|  | 2122590 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 702 | 702 | 650 | 706 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | GA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 7.97 | 14.14 | 52611.00 | .00 | .00 | .00 | 52611.00 | Employed |  |  |  | 2.2 |  |  |  | 3 YRS | 45173.44 | 7437.56 | Taxes and Insurance | 10.75 | 45080.18 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 7.75 | 7.75 | XXX | XXX | 693.1 | 4194.56 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 6376.04 | 1 | 42272 | 263 | 15 | XXX | 6.75 | No | XXXX | Manual Underwriting | 18594.79 | 7.936 | Yes | No | XXXX | XXXX | No |
|  | 2122573 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 738 | 738 | 713 | 743 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 17.13 | 37.23 | 16799.33 | .00 | .00 | .00 | 16799.33 | Employed |  |  |  | 1.97 |  |  |  | 2 YRS | 10545.76 | 6253.57 | Taxes and Insurance | 11.45 | 32952.92 | XXXX | XXXX | 73.68 | 73.68 | 73.68 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 7 | 7 | XXX | XXX | 971.4 | 2877.57 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1425.00 | 1 | 77857 | 191 | 3 | XXX | 1.00 | No | XXXX | Manual Underwriting | 0 | 7.144 | No | No | XXXX | XXXX | No |
|  | 2122583 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 740 | 732 | 740 | 740 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 774 | 774 | 803 | 765 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 12.07 | 15.86 | 30524.30 | .00 | .00 | .00 | 30524.30 | Employed | Not Employed |  |  | 5.87 |  |  |  | 2 YRS | 25682.91 | 4841.39 | Taxes and Insurance | 7.58 | 27917.34 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 7.125 | 7.125 | XXX | XXX | 746.04 | 3683.45 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 1425.00 | 1 | 44118 | 271 | 10 | XXX | 1.50 | No | XXXX | Manual Underwriting | 13415 | 7.272 | No | No | XXXX | XXXX | No |
|  | 2122571 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 728 | 724 | 762 | 728 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OK | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 14.55 | 46.42 | 19028.52 | .00 | .00 | .00 | 19028.52 | Employed |  |  |  | 25.68 |  |  |  | 2 YRS | 10195.5 | 8833.02 | Taxes and Insurance | 7.03 | 19455.77 | XXXX | XXXX | 45.18 | 45.18 | 45.18 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 6.875 | 6.875 | XXX | XXX | 797.08 | 2767.87 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | Yes |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1710.00 | 3 | 47111 | 334 | 10 | XXX | 3.50 | No | XXXX | Manual Underwriting | 0 | 6.987 | No | No | XXXX | XXXX | No |
|  | 2122565 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 759 | 750 | 769 | 759 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | WA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 36.64 | 42.56 | 9982.37 | .00 | .00 | .00 | 9982.37 | Not Employed |  |  |  |  |  |  |  | Yes | 5734.26 | 4248.11 | Taxes and Insurance | 167.11 | 611142.06 | XXXX | XXXX | 28.19 | 28.19 | 28.19 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 6.875 | 6.875 | XXX | XXX | 803.48 | 3657.11 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 651.65 | 1474.24 | 1 | 26300 | 256 | 1 | XXX | 1.16 | No | XXXX | Manual Underwriting | 7353.13 | 6.963 | No | No | XXXX | XXXX | No |
|  | 2122553 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 791 | 791 | 779 | 797 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | true | XXXX | 771 | 771 | 755 | 780 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 17.99 | 19.02 | 30733.64 | .00 | .00 | .00 | 30733.64 | Employed | Not Employed |  |  | 20.8 |  |  |  | 2 YRS | 24887.59 | 5846.05 | No Escrow | 104.58 | 578184.36 | XXXX | XXXX | 64.31 | 64.31 | 64.31 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 6.375 | 6.375 | XXX | XXX | 0 | 5528.72 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 11317.81 | 1 | 12000 | 374 | 1 | XXX | 5.50 | No | XXXX | Manual Underwriting | 0 | 6.568 | No | No | XXXX | XXXX | No |
|  | 2122576 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 753 | 753 | 772 | 728 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 762 | 762 | 784 | 723 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 23.39 | 49.2 | 27502.28 | .00 | .00 | .00 | 27502.28 | Employed | Not Employed |  |  | 8.44 |  |  |  | 2 YRS | 13971.43 | 13530.85 | Taxes and Insurance | 11.32 | 72847.89 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 7 | 7 | XXX | XXX | 1729.65 | 6433.85 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 1425.00 | 1 | 177601 | 259 | 14 | XXX | 0.42 | No | XXXX | Manual Underwriting | 0 | 7.221 | No | No | XXXX | XXXX | No |
|  | 2122597 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 703 | 702 | 703 | 709 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 7.69 | 16.46 | 46011.57 | .00 | .00 | .00 | 46011.57 | Employed |  |  |  | 12.04 |  |  |  | 2 YRS | 38437.46 | 7574.11 | Taxes and Insurance | 59.78 | 211578.63 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 7.625 | 7.625 | XXX | XXX | 538.06 | 3539.11 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 211578.63 | 1425.00 | 1 | 90802 | 183 | 10 | XXX | 9.42 | No | XXXX | Manual Underwriting | 0 | 7.698 | Yes | No | XXXX | XXXX | No |
|  | 2122575 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 798 | 798 | 806 | 779 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 34.32 | 34.32 | 5845.00 | .00 | .00 | .00 | 5845.00 | Employed |  |  |  | 1.59 |  |  |  | Yes | 3838.86 | 2006.14 | No Escrow | 123.99 | 228037.57 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 6.625 | 6.625 | XXX | XXX | 0 | 2006.14 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1425.00 | 1 | 18000 | 134 | 4 | XXX | 1.00 | No | XXXX | Manual Underwriting | 5425 | 6.949 | No | No | XXXX | XXXX | No |
|  | 2122611 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 733 | 703 | 733 | 752 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 32.96 | 46.12 | 4497.70 | .00 | .00 | .00 | 4497.70 | Employed |  |  |  | 13.02 |  |  |  | Yes | 2423.38 | 2074.32 | Taxes and Insurance | 99.94 | 148162.45 | XXXX | XXXX | 20.63 | 20.63 | 20.63 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 7.375 | 7.375 | XXX | XXX | 342.88 | 1482.49 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 153208.9 | 4810.00 | 1 | 10050 | 152 | 9 | XXX | 35.67 | No | XXXX | Manual Underwriting | 4810 | 7.773 | Yes | No | XXXX | XXXX | No |
|  | 2129769 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 753 | 753 | 780 | 736 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 18.63 | 18.63 | 72344.00 | .00 | .00 | .00 | 72344.00 | Employed |  |  |  | 7.7 |  |  |  | 2 YRS | 58869.16 | 13474.84 | Insurance | 22.77 | 306765.47 | XXXX | XXXX | 56.74 | 56.74 | 56.74 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 7 | 7 | XXX | XXX | 105.5 | 13474.84 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 306765.47 | .00 | 1 | 4000 | 233 | 3 | XXX | 20.00 | No | XXXX | Manual Underwriting | 15000 | 7.087 | No | No | XXXX | XXXX | No |
|  | 2126852 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 697 | 697 | 676 | 698 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 682 | 682 | 696 | 654 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AL | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 27.71 | 41.44 | 13030.67 | 6652.08 | .00 | .00 | 19682.75 | Employed | Employed |  |  | 3.96 | 9.79 |  |  | Yes | 11525.78 | 8156.97 | No Escrow | 16.81 | 91711.37 | XXXX | XXXX | 60 | 60 | 60 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 7 | 7 | XXX | XXX | 0 | 5454.97 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 113631.06 | 350.00 | 2 | 35340 | 382 | 7 | XXX | 0.33 | No | XXXX | Manual Underwriting | 11345 | 7.191 | No | No | XXXX | XXXX | No |
|  | 2122604 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 779 | 800 | 779 | 769 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 757 | 757 | 736 | 787 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | WA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 16.68 | 22.22 | 14633.00 | 15213.26 | .00 | .00 | 29846.26 | Employed | Employed |  |  | 1.75 | 10.72 |  |  | Yes | 23215.83 | 6630.43 | Taxes and Insurance | 25.01 | 124465.85 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 7.75 | 7.75 | XXX | XXX | 722.59 | 4977.43 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 14419.75 | 1 | 29113 | 348 | 4 | XXX | 3 | No | XXXX | Manual Underwriting | 26297.95 | 8.053 | Yes | No | XXXX | XXXX | No |
|  | 2133264 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 683 | 716 | 680 | 683 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OH | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 22.51 | 31.35 | 7016.10 | .00 | .00 | .00 | 7016.10 | Employed |  |  |  | 4.26 |  |  |  | NA | 4816.81 | 2199.29 | Taxes and Insurance | 5.27 | 158324.95 | XXXX | XXXX | 53.57 | 53.57 | 53.57 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 7.875 | 7.875 | XXX | XXX | 490.69 | 1579.29 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1425.00 | 1 | 14138 | 68 | 4 | XXX | 6 | No | XXXX | Manual Underwriting | 0 | 8.002 | Yes | No | XXXX | XXXX | No |
|  | 2122560 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 700 | 700 | 706 | 641 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 26.17 | 31.37 | 13979.52 | .00 | .00 | .00 | 13979.52 | Employed |  |  |  | 2.2 |  |  |  | NA | 9593.46 | 4386.06 | Taxes and Insurance | 15.99 | 58505.98 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 8.25 | 8.25 | XXX | XXX | 1195.54 | 3658.21 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1620.62 | 1 | 29486 | 42 | 4 | XXX | 2 | No | XXXX | Manual Underwriting | 9183.12 | 8.629 | Yes | No | XXXX | XXXX | No |
|  | 2126855 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 737 | 737 | 737 | 729 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 15.54 | 43.67 | 42022.00 | .00 | .00 | .00 | 42022.00 | Employed |  |  |  | 9.23 |  |  |  | Yes | 23670.46 | 18351.54 | Taxes and Insurance | 22.81 | 148933.01 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 7.5 | 7.5 | XXX | XXX | 1381.87 | 6529.15 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1075.00 | 2 | 49200 | 217 | 13 | XXX | 2.00 | No | XXXX | Manual Underwriting | 5233.62 | 7.597 | No | No | XXXX | XXXX | No |
|  | 2122572 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | Yes | false | XXXX | 775 | 780 | 678 | 775 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 11.93 | 39.68 | 29138.33 | .00 | .00 | .00 | 29138.33 | Employed |  |  |  | 3.61 |  |  |  | 2 YRS | 17577.35 | 11560.98 | No Escrow | 9.59 | 33342.14 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 6.875 | 6.875 | XXX | XXX | 0 | 3475.67 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1545.00 | 2 | 48229 | 142 | 6 | XXX | 2.00 | No | XXXX | Manual Underwriting | 0 | 6.955 | No | No | XXXX | XXXX | No |
|  | 2124098 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 685 | 682 | 685 | 692 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | PA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 90 | Taxes and Insurance | 52.8 | 84731.28 | XXXX | XXXX | 64.73 | 64.73 | 64.73 | XXXX | XXXX | XXXX | DSCR | Fixed | XXX | 7.25 | 7.25 | XXX | XXX | 327.9 | 1617.21 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | No | XXXX | Single Family Attached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 48959.68 | 7230.00 | 4 | 5500 | 222 | 4 | XXX | 36.33 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2126842 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 747 | 762 | 747 | 704 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 19.36 | 31.55 | 23498.00 | .00 | .00 | .00 | 23498.00 | Employed |  |  |  | 29.88 |  |  |  | 2 YRS | 16084.82 | 7413.18 | No Escrow | 18.84 | 85725 | XXXX | XXXX | 41.45 | 41.45 | 41.45 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 6.75 | 6.75 | XXX | XXX | 0 | 4550.18 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 564467.28 | 1425.00 | 1 | 23500 | 463 | 16 | XXX | 38.00 | No | XXXX | Manual Underwriting | 0 | 6.792 | No | No | XXXX | XXXX | No |
|  | 2126843 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 813 | 814 | 813 | 807 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 750 | 766 | 745 | 750 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 27.69 | 31.44 | 7560.89 | 6721.00 | .00 | .00 | 14281.89 | Employed | Employed |  |  | 7.44 | 7.58 |  |  | 2 YRS | 9791.76 | 4490.13 | Taxes and Insurance | 20.63 | 81575.27 | XXXX | XXXX | 76.23 | 76.23 | 76.23 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 7.125 | 7.125 | XXX | XXX | 992.31 | 3954.13 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | .00 | 1 | 22000 | 384 | 4 | XXX | 0.67 | No | XXXX | Manual Underwriting | 6060 | 7.146 | No | No | XXXX | XXXX | No |
|  | 2122596 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | Yes | true | XXXX | 679 | 697 | 679 | 659 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 41.72 | 44.79 | 16787.08 | .00 | .00 | .00 | 16787.08 | Employed |  |  |  | 4.47 |  |  |  | 2 YRS | 9267.38 | 7519.7 | Taxes and Insurance | 10.28 | 72010.18 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 7.625 | 7.625 | XXX | XXX | 1850.61 | 7003.7 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1425.00 | 1 | 13500 | 52 | 2 | XXX | 4.33 | No | XXXX | Manual Underwriting | 0 | 7.742 | Yes | No | XXXX | XXXX | No |
|  | 2124103 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 761 | 742 | 779 | 761 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OH | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 2282 | Taxes and Insurance | 287.93 | 309536.83 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXX | 7.5 | 7.5 | XXX | XXX | 292.39 | 1100.01 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 1%, 1%, 1%, 1%, 1% | Wholesale | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 9665.00 | 1 | 59636 | 239 | 11 | XXX | 1.66 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2126846 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 794 | 808 | 792 | 794 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | IL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 32.21 | 32.94 | 12651.00 | .00 | .00 | .00 | 12651.00 | Employed |  |  |  | 6.56 |  |  |  | NA | 8484.21 | 4166.79 | Taxes and Insurance | 4.77 | 19423.54 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 6.875 | 6.875 | XXX | XXX | 974.09 | 4074.79 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1425.00 | 1 | 14807 | 167 | 3 | XXX | 7 | No | XXXX | Manual Underwriting | 10803.64 | 7.185 | No | No | XXXX | XXXX | No |
|  | 2122569 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 811 | 811 | 816 | 801 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | IL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 37.03 | 48 | 14405.33 | .00 | .00 | .00 | 14405.33 | Employed |  |  |  | 20.52 |  |  |  | 3 YRS | 7490.41 | 6914.92 | Taxes and Insurance | 10.82 | 57701.61 | XXXX | XXXX | 69.07 | 69.07 | 69.07 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 6.875 | 6.875 | XXX | XXX | 1182.96 | 5334.75 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 3327.80 | 1 | 56000 | 279 | 6 | XXX | 15 | No | XXXX | Manual Underwriting | 3327.8 | 6.975 | No | No | XXXX | XXXX | No |
|  | 2126845 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 728 | 736 | 719 | 728 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 20.78 | 31.56 | 15612.58 | .00 | .00 | .00 | 15612.58 | Employed |  |  |  | 4.7 |  |  |  | 2 YRS | 10684.62 | 4927.96 | No Escrow | 88.65 | 287655.99 | XXXX | XXXX | 49.84 | 49.84 | 49.84 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 6.75 | 6.75 | XXX | XXX | 0 | 3244.96 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 286928.09 | 1425.00 | 1 | 18000 | 205 | 10 | XXX | 1 | No | XXXX | Manual Underwriting | 0 | 7.000 | No | No | XXXX | XXXX | No |
|  | 2126844 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 739 | 739 | 771 | 739 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 18.2 | 30.85 | 16814.34 | .00 | .00 | .00 | 16814.34 | Employed |  |  |  | 6.94 |  |  |  | NA | 11627.89 | 5186.45 | No Escrow | 35.08 | 107316.99 | XXXX | XXXX | 68.01 | 68.01 | 68.01 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 6.75 | 6.75 | XXX | XXX | 0 | 3059.45 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 50698.8 | 1585.60 | 1 | 302497 | 155 | 22 | XXX | 0.08 | No | XXXX | Manual Underwriting | 0 | 7.110 | No | No | XXXX | XXXX | No |
|  | 2126849 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 737 | 737 | 754 | 723 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 794 | 794 | 794 | 797 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Full Doc | Second Home | Purchase | NA | 22.68 | 49.51 | 21284.69 | 2852.88 | .00 | .00 | 24137.57 | Employed | Employed |  |  | 0.25 | 2 |  |  | 2 YRS | 12187.1 | 11950.47 | Taxes and Insurance | 49.67 | 173816.37 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 6.875 | 6.875 | XXX | XXX | 936.59 | 3499.59 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale |  | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | VE | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 10594.40 | 2 | 44045.64 | 315 | 7 | XXX | 2.67 | No | XXXX | Manual Underwriting | 20094.4 | 7.263 | No | No | XXXX | XXXX | No |
|  | 2124102 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 698 | 698 | 677 | 703 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 2874 | Taxes and Insurance | 7.47 | 18427.9 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXX | 7 | 7 | XXX | XXX | 563.59 | 2465.97 | XXXX | Fixed | 120 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | No | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 2670.00 | 3 | 15000 | 221 | 5 | XXX | 3633 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2124104 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 720 | 720 | 714 | 727 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OH | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1164 | Taxes and Insurance | 110.88 | 99732.67 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXX | 7.25 | 7.25 | XXX | XXX | 234.34 | 899.45 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 86193.75 | 4410.00 | 3 | 11500 | 244 | 15 | XXX | 18.08 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2124099 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 801 | 802 | 792 | 801 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OH | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 35 | Taxes and Insurance | 53.66 | 33847.24 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXX | 7 | 7 | XXX | XXX | 111.79 | 630.73 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 11436.99 | 4670.00 | 3 | 20000 | 318 | 2 | XXX |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2124105 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 726 | 726 | 726 | 704 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 12113 | Taxes and Insurance | 230.95 | 594081.36 | XXXX | XXXX | 65.07 | 65.07 | 65.07 | XXXX | XXXX | XXXX | DSCR | Fixed | XXX | 7.5 | 7.5 | XXX | XXX | 888.08 | 2572.36 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | No | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 12345.00 | 2 | 449702 | 83 | 1 | XXX |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2124106 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 726 | 726 | 726 | 704 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 12113 | Taxes and Insurance | 154.84 | 599876.24 | XXXX | XXXX | 34.76 | 34.76 | 34.76 | XXXX | XXXX | XXXX | DSCR | Fixed | XXX | 7.5 | 7.5 | XXX | XXX | 1592.88 | 3874.11 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | A | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 16840.00 | 2 | 449702 | 83 | 1 | XXX |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2124100 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 801 | 802 | 792 | 801 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OH | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 35 | Taxes and Insurance | 50.18 | 34163.29 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXX | 7 | 7 | XXX | XXX | 136.94 | 680.82 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 12267.64 | 4822.50 | 3 | 20000 | 318 | 2 | XXX |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2126850 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 734 | 734 | 760 | 719 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AK | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 47.76 | 48.48 | 4858.90 | .00 | .00 | .00 | 4858.90 | Employed |  |  |  | 2.75 |  |  |  | 1 YR | 2503.37 | 2355.53 | Taxes and Insurance | 6.13 | 14228.27 | XXXX | XXXX | 55.36 | 55.36 | 55.36 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 6.875 | 6.875 | XXX | XXX | 114.84 | 2320.53 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1425.00 | 1 | 14200 | 44 | 3 | XXX | 2.08 | No | XXXX | Manual Underwriting | 7465.89 | 6.948 | No | No | XXXX | XXXX | No |
|  | 2123468 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | Yes |  | XXXX | 765 | 739 | 765 | 782 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 15.83 | 16.23 | 25952.00 | .00 | .00 | .00 | 25952.00 | Employed |  |  |  |  |  |  |  | NA | 21739.93 | 4212.07 | Taxes and Insurance | 7.95 | 32644.91 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 7.375 | 7.375 | XXX | XXX | 626.62 | 4107.62 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 8985.00 | 1 | 25000 | 145 | 6 | XXX | 0.92 | No | XXXX | Manual Underwriting | 8985 | 7.615 | No | No | XXXX | XXXX | No |
|  | 2124097 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 790 | 790 | 815 | 771 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 733 | 710 | 733 | 777 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 284 | Taxes and Insurance | 24.17 | 76010.54 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXX | 6.875 | 6.875 | XXX | XXX | 1360.76 | 3145.39 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | A | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 | 11290.00 | 2 | 38000 | 222 | 2 | XXX |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2131393 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 730 | 730 | 746 | 700 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | WI | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 4636 | Taxes and Insurance | 23.47 | 27131.43 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXX | 6.625 | 6.625 | XXX | XXX | 439.01 | 1156.15 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | No | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 7518.65 | 1120.00 | 4 | 15000 | 156 | 9 | XXX |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2129776 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 801 | 814 | 801 | 779 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CO | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 10.7 | 18.11 | 26004.87 | .00 | .00 | .00 | 26004.87 | Employed |  |  |  | 13.92 |  |  |  | 3 YRS | 21294.61 | 4710.26 | Taxes and Insurance | 70.59 | 196502.44 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 6.75 | 6.75 | XXX | XXX | 500.65 | 2783.72 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale |  | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1956.52 | 1 | 47033 | 273 | 13 | XXX | 20 | No | XXXX | Manual Underwriting | 10376.52 | 6.858 | No | No | XXXX | XXXX | No |
|  | 2129795 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-Permanent Non-US Citizen | Yes |  | XXXX | 734 | 734 | 745 | 724 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | No | false | XXXX | 684 | 695 | 682 | 684 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | VA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 39.74 | 40.83 | 6503.22 | .00 | .00 | .00 | 6503.22 | Employed | Not Employed |  |  | 2.42 |  |  |  | 2 YRS | 3847.9 | 2655.32 | Taxes and Insurance | 16.64 | 43013.94 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 7.375 | 7.375 | XXX | XXX | 401.79 | 2584.32 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 1425.00 | 1 | 2000 | 15 | 2 | XXX | 1.42 | No | XXXX | Manual Underwriting | 0 | 7.608 | No | No | XXXX | XXXX | No |
|  | 2133235 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 714 | 714 | 718 | 710 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 694 | 690 | 703 | 694 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 15.2 | 34.86 | 6240.00 | 22537.00 | .00 | .00 | 28777.00 | Employed | Employed |  |  | 1.33 | 11.17 |  |  | 3 YRS | 18745.31 | 10031.69 | Taxes and Insurance | 8.48 | 37090.89 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 7.625 | 7.625 | XXX | XXX | 975.28 | 4372.69 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale |  | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 1075.00 | 1 | 13777 | 436 | 5 | XXX | 2.25 | No | XXXX | Manual Underwriting | 11875 | 7.782 | Yes | No | XXXX | XXXX | No |
|  | 2129787 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 763 | 763 | 804 | 749 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 20.22 | 44.96 | 16596.01 | .00 | .00 | .00 | 16596.01 | Employed |  |  |  | 22 |  |  |  | NA | 9134.35 | 7461.66 | Taxes and Insurance | 107.47 | 360684.83 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 6.75 | 6.75 | XXX | XXX | 242.73 | 3356 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale |  | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1425.00 | 2 | 35900 | 340 | 10 | XXX | 2.25 | No | XXXX | Manual Underwriting | 0 | 6.833 | No | No | XXXX | XXXX | No |
|  | 2129789 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 711 | 697 | 737 | 711 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Full Doc | Second Home | Refinance | Cash Out - Other | 19.39 | 44.14 | 20232.16 | .00 | .00 | .00 | 20232.16 | Employed |  |  |  | 5.33 |  |  |  | 2 YRS | 11301.92 | 8930.24 | No Escrow | 18.57 | 88847.99 | XXXX | XXXX | 68.35 | 68.35 | 68.35 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 7.5 | 7.5 | XXX | XXX | 0 | 3946.31 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale |  | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 65912.89 | 2624.06 | 2 | 8600 | 454 | 9 | XXX | 0.08 | No | XXXX | Manual Underwriting | 8396.25 | 7.631 | No | No | XXXX | XXXX | No |
|  | 2129788 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 685 | 671 | 703 | 685 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 739 | 739 | 743 | 696 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 6.53 | 14.92 | 24000.81 | 24000.81 | .00 | .00 | 48001.62 | Employed | Employed |  |  | 18 | 18 |  |  | NA | 40838.7 | 7162.92 | Taxes and Insurance | 124.94 | 391803.34 | XXXX | XXXX | 36.36 | 36.36 | 36.36 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 7.125 | 7.125 | XXX | XXX | 441.05 | 3135.92 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale |  | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 229217.36 | 1608.00 | 2 | 45473 | 435 | 7 | XXX | 20 | No | XXXX | Manual Underwriting | 10000 | 7.224 | No | No | XXXX | XXXX | No |
|  | 2129792 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-Permanent Non-US Citizen | Yes |  | XXXX | 752 | 754 | 750 | 752 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 3.9 | 13.1 | 110512.70 | .00 | .00 | .00 | 110512.70 | Employed |  |  |  | 3.92 |  |  |  | Yes | 96031.15 | 14481.55 | Taxes and Insurance | 18.8 | 81001.37 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 6.875 | 6.875 | XXX | XXX | 681.87 | 4308.56 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale |  | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 4868.52 | 4 | 48147 | 90 | 6 | XXX | 2.92 | No | XXXX | Manual Underwriting | 15748.52 | 7.010 | No | No | XXXX | XXXX | No |
|  | 2133258 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 774 | 787 | 773 | 774 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 26.56 | 38.49 | 31082.18 | .00 | .00 | .00 | 31082.18 | Employed |  |  |  | 4.83 |  |  |  | 2 YRS | 19118.06 | 11964.12 | Taxes and Insurance | 8.81 | 72766.28 | XXXX | XXXX | 77.87 | 77.87 | 77.87 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 6.5 | 6.5 | XXX | XXX | 1562.52 | 8256.12 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale |  | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | A | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1425.00 | 2 | 20373 | 174 | 5 | XXX | 0.5 | No | XXXX | Manual Underwriting | 11425 | 6.637 | No | No | XXXX | XXXX | No |
|  | 2128027 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 790 | 790 | 766 | 798 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OH | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 758 | Taxes and Insurance | 2219.71 | 5867884.13 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXX | 6.625 | 6.625 | XXX | XXX | 631.05 | 2643.54 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 1%, 1%, 1%, 1%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 4808.00 | 4 | 27000 | 271 | 6 | XXX | 2.75 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2133262 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-Permanent Non-US Citizen | No |  | XXXX | 791 | 791 | 752 | 792 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | IL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 27 | No Escrow | 3.63 | 12318.33 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXX | 6.5 | 6.5 | XXX | XXX | 0 | 3395.02 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | .00 | 1 | 6000 | 178 | 4 | XXX | 2 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2133253 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 750 | 750 | 760 | 740 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 756 | 751 | 768 | 756 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 35.45 | 49.19 | 24980.98 | .00 | .00 | .00 | 24980.98 | Not Employed | Not Employed |  |  |  |  |  |  | Yes | 12692.42 | 12288.56 | No Escrow | 209.65 | 1856545.56 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 7.125 | 7.125 | XXX | XXX | 0 | 8855.56 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale |  | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | .00 | 2 | 206869 | 427 | 9 | XXX | 33.33 | No | XXXX | Manual Underwriting | 17000 | 7.354 | No | No | XXXX | XXXX | No |
|  | 2127957 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 693 | 693 | 702 | 673 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 19.91 | 34.94 | 50515.00 | .00 | .00 | .00 | 50515.00 | Employed |  |  |  | 3.58 |  |  |  | 3 YRS | 32865.36 | 17649.64 | Taxes and Insurance | 6 | 60384.26 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 8 | 8 | XXX | XXX | 1698.63 | 10056.21 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1595.00 | 2 | 44900 | 257 | 11 | XXX | 13.75 | No | XXXX | Manual Underwriting | 1595 | 8.008 | No | No | XXXX | XXXX | No |
|  | 2129773 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-Permanent Non-US Citizen | Yes |  | XXXX | 707 | 698 | 707 | 764 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-Permanent Non-US Citizen | Yes | false | XXXX | 681 | 681 | 678 | 681 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 20.92 | 34.96 | 9177.00 | .00 | .00 | .00 | 9177.00 | Employed | Employed |  |  |  |  |  |  | 2 YRS | 5968.59 | 3208.41 | Taxes and Insurance | 19.09 | 36647.66 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 7.75 | 7.75 | XXX | XXX | 371.96 | 1919.41 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale |  | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 1902.96 | 1 | 21590 | 25 | 7 | XXX | 10 | No | XXXX | Manual Underwriting | 0 | 7.904 | Yes | No | XXXX | XXXX | No |
|  | 2133260 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 721 | 736 | 716 | 721 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 36.84 | 40.76 | 36389.50 | .00 | .00 | .00 | 36389.50 | Employed |  |  |  | 2.17 |  |  |  | Yes | 21556.99 | 14832.51 | Taxes and Insurance | 126.87 | 1700642.44 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 6.875 | 6.875 | XXX | XXX | 2399.5 | 13404.51 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale |  | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1425.00 | 1 | 50000 | 200 | 5 | XXX | 2 | No | XXXX | Manual Underwriting | 18425 | 7.010 | No | No | XXXX | XXXX | No |
|  | 2133231 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 773 | 773 | 768 | 792 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 769 | 736 | 769 | 787 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 16207 | Taxes and Insurance | 4.29 | 35567.84 | XXXX | XXXX | 67.82 | 67.82 | 67.82 | XXXX | XXXX | XXXX | DSCR | Fixed | XXX | 7.375 | 7.375 | XXX | XXX | 830.6 | 8320.22 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 35567.84 | 9800.00 | 7 | 17741 | 319 | 3 | XXX | 10 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2129777 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 801 | 801 | 804 | 797 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | LA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 16.64 | 23.78 | 32608.70 | .00 | .00 | .00 | 32608.70 | Employed |  |  |  | 22.92 |  |  |  | NA | 24853.19 | 7755.51 | No Escrow | 6.01 | 32594.26 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 6.875 | 6.875 | XXX | XXX | 0 | 5425.13 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale |  | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1425.00 | 1 | 25000 | 264 | 2 | XXX |  | No | XXXX | Manual Underwriting | 0 | 6.924 | No | No | XXXX | XXXX | No |
|  | 2133251 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 702 | 669 | 704 | 702 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MD | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 2546 | No Escrow | 47.23 | 111151.28 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXX | 7.375 | 7.375 | XXX | XXX | 0 | 2353.27 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | Yes | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 111151.28 | .00 | 1 | 72940 | 110 | 8 | XXX |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2125847 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 777 | 777 | 783 | 763 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | PA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 10258 | Taxes and Insurance | 220.49 | 667508.4 | XXXX | XXXX | 65 | 65 | 65 | XXXX | XXXX | XXXX | DSCR | Fixed | XXX | 6.875 | 6.875 | XXX | XXX | 785.65 | 3027.42 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 4%, 3% | Wholesale | No | XXXX |  |  |  | No | XXXX | Two to Four Unit | 4 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 311088.94 | 9225.00 | 4 | 21213 | 262 | 7 | XXX |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2129783 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 776 | 776 | 825 | 776 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 25.25 | 29.31 | 16199.00 | .00 | .00 | .00 | 16199.00 | Employed |  |  |  | 30 |  |  |  | 2 YRS | 11450.96 | 4748.04 | No Escrow | 128.47 | 525595.01 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 7 | 7 | XXX | XXX | 0 | 4091.04 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1425.00 | 1 | 25000 | 332 | 8 | XXX |  | No | XXXX | Manual Underwriting | 0 | 7.062 | No | No | XXXX | XXXX | No |
|  | 2129774 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 687 | 649 | 755 | 687 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 43.71 | 49.94 | 16348.25 | .00 | .00 | .00 | 16348.25 | Employed |  |  |  | 2.92 |  |  |  | NA | 8184.55 | 8163.7 | Taxes and Insurance | 11.66 | 80461.4 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 6.75 | 6.75 | XXX | XXX | 1415.63 | 7146.47 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale |  | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 12157.44 | 1 | 27000 | 92 | 6 | XXX |  | No | XXXX | Manual Underwriting | 27157.44 | 6.949 | No | No | XXXX | XXXX | No |
|  | 2129785 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 814 | 814 | 828 | 804 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | ALT DOC | Second Home | Purchase | NA | 5.49 | 32.4 | 34533.77 | .00 | .00 | .00 | 34533.77 | Not Employed |  |  |  |  |  |  |  | 2 YRS | 23344.34 | 11189.43 | No Escrow | 374.61 | 2103072.93 | XXXX | XXXX | 79.55 | 79.55 | 79.55 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 7.125 | 7.125 | XXX | XXX | 0 | 5614.01 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1635.00 | 1 | 105257.53 | 645 | 11 | XXX |  | No | XXXX | Manual Underwriting | 18410 | 7.178 | No | No | XXXX | XXXX | No |
|  | 2133232 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 688 | 699 | 688 | 677 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | HI | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 6.86 | 14.15 | 34111.19 | .00 | .00 | .00 | 34111.19 | Employed |  |  |  | 10.08 |  |  |  | 3 YRS | 29284.2 | 4826.99 | Taxes and Insurance | 159.35 | 372728.41 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 7.75 | 7.75 | XXX | XXX | 275.72 | 2338.99 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1425.00 | 1 | 41784 | 172 | 8 | XXX |  | No | XXXX | Manual Underwriting | 6465 | 8.047 | Yes | No | XXXX | XXXX | No |
|  | 2133256 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 731 | 736 | 716 | 731 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 25.99 | 44.76 | 20560.00 | .00 | .00 | .00 | 20560.00 | Employed |  |  |  | 4.42 |  |  |  | Yes | 11356.73 | 9203.27 | Taxes and Insurance | 17.39 | 92916.69 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 7.5 | 7.5 | XXX | XXX | 645.55 | 5344.27 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 62195.7 | 288.96 | 1 | 64940 | 305 | 12 | XXX |  | No | XXXX | Manual Underwriting | 8400 | 7.527 | No | No | XXXX | XXXX | No |
|  | 2129775 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 793 | 793 | 796 | 745 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 815 | 815 | 823 | 801 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 38.15 | 49.89 | 33214.63 | .00 | .00 | .00 | 33214.63 | Employed | Employed |  |  | 1.67 | -1 |  |  | 2 YRS | 16643.64 | 16570.99 | No Escrow | 5.63 | 71387.5 | XXXX | XXXX | 77.5 | 77.5 | 77.5 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 6.625 | 6.625 | XXX | XXX | 0 | 12670.99 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale |  | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 1425.00 | 1 | 42462 | 366 | 25 | XXX |  | No | XXXX | Manual Underwriting | 0 | 6.648 | No | No | XXXX | XXXX | No |
|  | 2133252 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 667 | 640 | 674 | 667 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 38.6 | 41.28 | 18057.00 | .00 | .00 | .00 | 18057.00 | Employed |  |  |  | 0.83 |  |  |  | 2 YRS | 10603.34 | 7453.66 | Taxes and Insurance | 15.4 | 182928.67 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 8.25 | 8.25 | XXX | XXX | 1411.29 | 6970.66 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1425.00 | 1 | 25000 | 147 | 10 | XXX |  | No | XXXX | Manual Underwriting | 0 | 8.336 | Yes | No | XXXX | XXXX | No |
|  | 2133257 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 763 | 780 | 743 | 763 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | ID | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 12.64 | 22.82 | 20656.22 | .00 | .00 | .00 | 20656.22 | Employed |  |  |  | 3.42 |  |  |  | 2 YRS | 15942.92 | 4713.3 | Taxes and Insurance | 60.48 | 157938.1 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 6.625 | 6.625 | XXX | XXX | 223.38 | 2611.3 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale |  | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | D | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1775.00 | 2 | 25000 | 107 | 5 | XXX |  | No | XXXX | Manual Underwriting | 8525 | 6.893 | No | No | XXXX | XXXX | No |
|  | 2133240 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 706 | 706 | 699 | 713 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  | 8.75 |  |  |  |  |  | 2654 | Taxes and Insurance | 84.33 | 282776.35 | XXXX | XXXX | 68.51 | 68.51 | 68.51 | XXXX | XXXX | XXXX | DSCR | Fixed | XXX | 7.125 | 7.125 | XXX | XXX | 847.57 | 3353.2 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 282776.35 | .00 | 1 | 24167 | 140 | 8 | XXX |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2133249 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 700 | 700 | 697 | 704 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TN | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  | 0.58 |  |  |  |  |  | 4233 | Taxes and Insurance | 124.23 | 325536.58 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXX | 7.375 | 7.375 | XXX | XXX | 382.58 | 2620.37 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 24 | 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 160260.64 | 1308.36 | 1 | 38706 | 187 | 23 | XXX |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2133254 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 805 | 805 | 797 | 808 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 5.93 | 6.07 | 25630.04 | .00 | .00 | .00 | 25630.04 | Employed |  |  |  | 11.92 |  |  |  | 2 YRS | 24074.56 | 1555.48 | Taxes and Insurance | 147.51 | 224291.1 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 7.25 | 7.25 | XXX | XXX | 429 | 1520.48 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1425.00 | 1 | 18500 | 263 | 2 | XXX |  | No | XXXX | Manual Underwriting | 3420 | 7.526 | No | No | XXXX | XXXX | No |
|  | 2131400 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 724 | 745 | 718 | 724 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 5166 | Taxes and Insurance | 536.63 | 1196712.85 | XXXX | XXXX | 68.93 | 68.93 | 68.93 | XXXX | XXXX | XXXX | DSCR | Fixed | XXX | 7 | 7 | XXX | XXX | 397.12 | 2230.04 | XXXX | Fixed | 120 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 12 | 5% | Retail | No | XXXX |  |  |  | No | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 96741.01 | 5040.00 | 11 | 24352 | 249 | 5 | XXX |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2131405 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 724 | 745 | 718 | 724 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 5166 | Taxes and Insurance | 533.47 | 1202114.52 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXX | 7 | 7 | XXX | XXX | 397.12 | 2253.37 | XXXX | Fixed | 120 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 12 | 5% | Retail | No | XXXX |  |  |  | No | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 100596.12 | 5080.00 | 11 | 24352 | 249 | 5 | XXX |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2131398 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 724 | 745 | 718 | 724 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1351 | Taxes and Insurance | 543.98 | 1201983.27 | XXXX | XXXX | 68 | 68 | 68 | XXXX | XXXX | XXXX | DSCR | Fixed | XXX | 7 | 7 | XXX | XXX | 397.12 | 2209.62 | XXXX | Fixed | 120 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 12 | 5% | Retail | No | XXXX |  |  |  | No | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 91481.31 | 5175.00 | 11 | 24352 | 246 | 5 | XXX |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2131399 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 724 | 745 | 718 | 724 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1351 | Taxes and Insurance | 543.98 | 1201983.27 | XXXX | XXXX | 68 | 68 | 68 | XXXX | XXXX | XXXX | DSCR | Fixed | XXX | 7 | 7 | XXX | XXX | 397.12 | 2209.62 | XXXX | Fixed | 120 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 12 | 5% | Retail | No | XXXX |  |  |  | No | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 93354.19 | 5005.00 | 11 | 24352 | 246 | 5 | XXX |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2131401 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 724 | 745 | 718 | 724 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 5166 | Taxes and Insurance | 536.93 | 1202070.78 | XXXX | XXXX | 69.33 | 69.33 | 69.33 | XXXX | XXXX | XXXX | DSCR | Fixed | XXX | 7 | 7 | XXX | XXX | 397.12 | 2238.79 | XXXX | Fixed | 120 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 12 | 5% | Retail | No | XXXX |  |  |  | No | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 97949.87 | 5055.00 | 11 | 24352 | 9 | 5 | XXX |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2131402 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 724 | 745 | 718 | 724 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1351 | Taxes and Insurance | 536.93 | 1202070.78 | XXXX | XXXX | 69.33 | 69.33 | 69.33 | XXXX | XXXX | XXXX | DSCR | Fixed | XXX | 7 | 7 | XXX | XXX | 397.12 | 2238.79 | XXXX | Fixed | 120 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 12 | 5% | Retail | No | XXXX |  |  |  | No | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 98258.28 | 5055.00 | 11 | 24352 | 246 | 5 | XXX |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2131403 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 724 | 745 | 718 | 724 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1351 | Taxes and Insurance | 533.47 | 1202114.52 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXX | 7 | 7 | XXX | XXX | 397.12 | 2253.37 | XXXX | Fixed | 120 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 12 | 5% | Retail | No | XXXX |  |  |  | No | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 100605.57 | 4915.00 | 11 | 24352 | 246 | 5 | XXX |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2131407 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 724 | 745 | 718 | 724 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1351 | Taxes and Insurance | 530.74 | 1202149.53 | XXXX | XXXX | 63.43 | 63.43 | 63.43 | XXXX | XXXX | XXXX | DSCR | Fixed | XXX | 7 | 7 | XXX | XXX | 397.11 | 2265.04 | XXXX | Fixed | 120 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 12 | 5% | Retail | No | XXXX |  |  |  | No | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 101906.51 | 5100.00 | 11 | 24352 | 246 | 5 | XXX |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2131404 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 724 | 745 | 718 | 724 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1351 | Taxes and Insurance | 533.47 | 1202114.52 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXX | 7 | 7 | XXX | XXX | 397.11 | 2253.37 | XXXX | Fixed | 120 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 12 | 5% | Retail | No | XXXX |  |  |  | No | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 100607.79 | 5080.00 | 11 | 24352 | 246 | 5 | XXX |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2131397 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 724 | 745 | 718 | 724 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1351 | Taxes and Insurance | 523.37 | 1202245.77 | XXXX | XXXX | 64.75 | 64.75 | 64.75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXX | 7 | 7 | XXX | XXX | 397.11 | 2297.12 | XXXX | Fixed | 120 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 12 | 5% | Retail | No | XXXX |  |  |  | No | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 107238.19 | 5155.00 | 11 | 24352 | 246 | 5 | XXX |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2131412 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 743 | 743 | 757 | 736 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 14930 | Taxes and Insurance | 35.71 | 95967.24 | XXXX | XXXX | 61.86 | 61.86 | 61.86 | XXXX | XXXX | XXXX | DSCR | Fixed | XXX | 6.5 | 6.5 | XXX | XXX | 659.86 | 2687.04 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 6777.39 | 6 | 32242 | 233 | 4 | XXX |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2131411 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 743 | 743 | 757 | 736 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 14930 | Taxes and Insurance | 34.74 | 149760.2 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXX | 7 | 7 | XXX | XXX | 1175.14 | 4717.87 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | No | XXXX | Two to Four Unit | 4 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 149760.2 | 8240.00 | 4 | 32242 | 233 | 4 | XXX |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2128028 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 743 | 757 | 731 | 743 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 714 | 712 | 722 | 714 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 11587 | Taxes and Insurance | 252.07 | 338555.56 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXX | 7.375 | 7.375 | XXX | XXX | 467.33 | 1343.08 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 12 | 5% | Retail | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | A | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 128582.01 | 7080.00 | 4 | 66387 | 232 | 14 | XXX | 3 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2131408 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 743 | 743 | 757 | 736 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 9429 | Taxes and Insurance | 7.34 | 19960.7 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXX | 7.125 | 7.125 | XXX | XXX | 731.56 | 4597.02 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | No | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 14017.08 | 8652.50 | 4 | 32242 | 233 | 4 | XXX |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2133241 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 773 | 773 | 801 | 765 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 33.61 | 39.76 | 9550.00 | .00 | .00 | .00 | 9550.00 | Employed |  |  |  | 1 |  |  |  | Yes | 5752.46 | 3797.54 | Taxes and Insurance | 30.8 | 98867.59 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 7 | 7 | XXX | XXX | 938.18 | 3209.54 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1425.00 | 1 | 21900 | 102 | 4 | XXX |  | No | XXXX | Manual Underwriting | 10555.28 | 7.124 | No | No | XXXX | XXXX | No |
|  | 2133245 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 705 | 721 | 683 | 705 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 758 | 758 | 765 | 743 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 4784 | No Escrow | 12.07 | 19868.46 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | DSCR | Fixed | XXX | 7.375 | 7.375 | XXX | XXX | 0 | 1645.47 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Retail | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 | 3732.00 | 2 | 33138 | 257 | 7 | XXX |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2133248 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 786 | 787 | 786 | 761 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 12.57 | 22.62 | 33866.67 | .00 | .00 | .00 | 33866.67 | Employed |  |  |  | 3 |  |  |  | NA | 26206.2 | 7660.47 | No Escrow | 7.06 | 30023.57 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 6.625 | 6.625 | XXX | XXX | 0 | 4255.42 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1425.00 | 2 | 30668 | 185 | 5 | XXX |  | No | XXXX | Manual Underwriting | 7812.92 | 6.826 | No | No | XXXX | XXXX | No |
|  | 2133242 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 684 | 684 | 761 | 683 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Full Doc | Primary Residence | Refinance | Cash Out - Other | 30.53 | 35.03 | 40082.89 | .00 | .00 | .00 | 40082.89 | Employed |  |  |  | 12.33 |  |  |  | 2 YRS | 26043.56 | 14039.33 | No Escrow | 33.21 | 406387 | XXXX | XXXX | 46.21 | 46.21 | 46.21 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 6.75 | 6.75 | XXX | XXX | 0 | 12237.93 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 313496.97 | 1425.00 | 1 | 41000 | 361 | 4 | XXX |  | No | XXXX | Manual Underwriting | 28755 | 6.955 | No | No | XXXX | XXXX | No |
|  | 2133250 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 775 | 763 | 787 | 775 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 728 | 728 | 746 | 702 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OR | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 33.61 | 43.85 | .00 | 9884.92 | .00 | .00 | 9884.92 | Not Employed | Employed |  |  |  | 8.75 |  |  | 2 YRS | 5550.14 | 4334.78 | Taxes and Insurance | 74.81 | 248583.52 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 7.125 | 7.125 | XXX | XXX | 579.61 | 3322.78 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 1425.00 | 1 | 20762 | 279 | 2 | XXX |  | No | XXXX | Manual Underwriting | 10308 | 7.196 | No | No | XXXX | XXXX | No |
|  | 2133238 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 716 | 733 | 716 | 707 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 15.18 | 32.55 | 14125.96 | .00 | .00 | .00 | 14125.96 | Employed |  |  |  | 5.42 |  |  |  | NA | 9527.52 | 4598.44 | No Escrow | 37.31 | 80017.32 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 7.25 | 7.25 | XXX | XXX | 0 | 2144.44 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale |  | XXXX |  |  |  | Yes | XXXX | Townhouse | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 350.00 | 1 | 30300 | 222 | 7 | XXX |  | No | XXXX | Manual Underwriting | 500 | 7.285 | No | No | XXXX | XXXX | No |
|  | 2128026 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 727 | 727 | 787 | 647 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MD | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 2353 | Taxes and Insurance | 23.46 | 26268.08 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXX | 7 | 7 | XXX | XXX | 234.95 | 1119.79 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 6135.00 | 1 | 20400 | 255 | 4 | XXX |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2133246 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | Yes |  | XXXX | 765 | 769 | 765 | 717 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | WA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 32.86 | 33.96 | 15792.52 | .00 | .00 | .00 | 15792.52 | Employed |  |  |  | 7.67 |  |  |  | NA | 10429.67 | 5362.85 | Taxes and Insurance | 6.67 | 34639.59 | XXXX | XXXX | 32.32 | 32.32 | 32.32 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 6.5 | 6.5 | XXX | XXX | 1359.52 | 5189.85 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 37 | 1425.00 | 1 | 29500 | 139 | 7 | XXX | 1.17 | No | XXXX | Manual Underwriting | 9501.83 | 6.663 | No | No | XXXX | XXXX | No |
|  | 2133239 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 774 | 781 | 774 | 772 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 40.77 | 47.72 | 11160.00 | .00 | .00 | .00 | 11160.00 | Employed |  |  |  |  |  |  |  | 2 YRS | 5834 | 5326 | No Escrow | 30.01 | 156033.86 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 6.75 | 6.75 | XXX | XXX | 0 | 4550 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 2235.00 | 2 | 37059 | 182 | 5 | XXX | 5.5 | No | XXXX | Manual Underwriting | 2235 | 6.844 | No | No | XXXX | XXXX | No |
|  | 2131410 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 759 | 772 | 759 | 676 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 7187 | Taxes and Insurance | 26.17 | 152188.48 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXX | 7.5 | 7.5 | XXX | XXX | 1831.54 | 5815.92 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 141048.43 | 22035.00 | 2 | 26599 | 160 | 6 | XXX | 15.58 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2133230 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 666 | 666 | 690 | 655 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 6272 | Taxes and Insurance | 23.28 | 199205.64 | XXXX | XXXX | 19.71 | 19.71 | 19.71 | XXXX | XXXX | XXXX | DSCR | Fixed | XXX | 7.5 | 7.5 | XXX | XXX | 2440.16 | 8558.29 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 199205.64 | 6730.00 | 2 | 113628 | 366 | 30 | XXX |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2133186 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 697 | 684 | 706 | 697 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 28 | Taxes and Insurance | 55.71 | 248517.7 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXX | 7.75 | 7.75 | XXX | XXX | 1150.75 | 4460.57 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | No | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 231637.77 | 24040.00 | 1 | 1750 | 506 | 2 | XXX |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2131409 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 779 | 775 | 785 | 779 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 2319 | Taxes and Insurance | 6.8 | 14907.39 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXX | 6.875 | 6.875 | XXX | XXX | 687.6 | 2191.51 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 37366.84 | 9575.00 | 3 | 35000 | 146 | 8 | XXX |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2133263 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 793 | 798 | 793 | 793 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | LA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 11.33 | 11.36 | 44852.35 | .00 | .00 | .00 | 44852.35 | Not Employed |  |  |  |  |  |  |  | 3 YRS | 39757.1 | 5095.25 | Taxes and Insurance | 347.1 | 1764044.9 | XXXX | XXXX | 55 | 55 | 55 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 6.75 | 6.75 | XXX | XXX | 1693.32 | 5082.25 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1425.00 | 1 | 5000 | 74 | 2 | XXX | 5 | No | XXXX | Manual Underwriting | 12486 | 7.056 | No | No | XXXX | XXXX | No |
|  | 2133255 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 730 | 706 | 730 | 734 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | WI | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 31.64 | 43.47 | 11278.28 | .00 | .00 | .00 | 11278.28 | Employed |  |  |  | 23.92 |  |  |  | 1 YR | 6375.1 | 4903.18 | No Escrow | 17.61 | 62846.25 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 7.125 | 7.125 | XXX | XXX | 0 | 3568.6 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 121658.65 | 6815.00 | 1 | 48237 | 121 | 6 | XXX |  | No | XXXX | Manual Underwriting | 0 | 7.340 | No | No | XXXX | XXXX | No |
|  | 2133247 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 792 | 792 | 751 | 792 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MI | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 37.88 | 44.6 | 4950.84 | .00 | .00 | .00 | 4950.84 | Employed |  |  |  | 4.58 |  |  |  | 2 YRS | 2742.6 | 2208.24 | Taxes and Insurance | 8.6 | 16118.57 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 6.75 | 6.75 | XXX | XXX | 503.46 | 1875.24 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 16118.57 | 2090.00 | 1 | 12000 | 379 | 7 | XXX | 3 | No | XXXX | Manual Underwriting | 2090 | 6.886 | No | No | XXXX | XXXX | No |
|  | 2133259 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 708 | 712 | 691 | 708 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 4.39 | 12.46 | 60914.00 | .00 | .00 | .00 | 60914.00 | Employed |  |  |  | 12.58 |  |  |  | 2 YRS | 53325.63 | 7588.37 | Taxes and Insurance | 40.8 | 109109.6 | XXXX | XXXX | 59.62 | 59.62 | 59.62 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 7.75 | 7.75 | XXX | XXX | 852.87 | 2674.12 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 103256.84 | 2820.00 | 2 | 33161 | 244 | 10 | XXX | 20 | No | XXXX | Manual Underwriting | 0 | 7.883 | Yes | No | XXXX | XXXX | No |
|  | 2133185 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 759 | 772 | 759 | 676 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 2448 | Taxes and Insurance | 53.7 | 198006.52 | XXXX | XXXX | 66.91 | 66.91 | 66.91 | XXXX | XXXX | XXXX | DSCR | Fixed | XXX | 7.5 | 7.5 | XXX | XXX | 843.21 | 3686.94 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 93719.97 | 17487.50 | 4 | 26599 | 160 | 6 | XXX |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2133184 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 759 | 772 | 759 | 676 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 2448 | Taxes and Insurance | 56.09 | 197370.64 | XXXX | XXXX | 65 | 65 | 65 | XXXX | XXXX | XXXX | DSCR | Fixed | XXX | 7.5 | 7.5 | XXX | XXX | 776.97 | 3519.14 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 32918.59 | 17487.50 | 4 | 26599 | 160 | 6 | XXX |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2133183 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 759 | 772 | 759 | 676 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 2448 | Taxes and Insurance | 60.2 | 196611.25 | XXXX | XXXX | 59.56 | 59.56 | 59.56 | XXXX | XXXX | XXXX | DSCR | Fixed | XXX | 7.375 | 7.375 | XXX | XXX | 776.97 | 3266.01 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 51143.69 | 16640.00 | 4 | 26599 | 160 | 6 | XXX |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2133187 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 757 | 772 | 741 | 757 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | IA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 9683 | Taxes and Insurance | 183.54 | 161275.55 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXX | 6.875 | 6.875 | XXX | XXX | 233.9 | 878.71 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 180.48 | 7545.00 | 3 | 64020 | 256 | 9 | XXX |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2133314 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 698 | 697 | 730 | 698 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX |  | 815 | 799 | 757 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 31.79 | 49.59 | 15924.42 | 6468.13 | .00 | .00 | 22392.55 | Not Employed | Not Employed |  |  |  |  |  |  | NA | 11287.85 | 11104.7 | Taxes and Insurance | 199.91 | 1423122.24 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXX | 6.375 | 6.375 | XXX | XXX | 603.31 | 7118.69 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Correspondent Bulk | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 26942.29 | 3 | 66000 | 381 | 6 | XXX | 1 | No | XXXX | Manual Underwriting | 26942.29 | 6.673 | No | No | XXXX | XXXX | No |

---

## Exhibit 99.11

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.11 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Subordinate Lien 2 Type** | **Subordinate Lien 2 Max Draw Amount (HELOC)** | **Subordinate Lien 3 Type** | **Subordinate Lien 3 Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| 2127955 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XXXX | 6.770% | Manual Underwriting | Manual Underwriting | No | 8.098% |  | 7.625% | 7.625% | XXX | No |  | $2706.96 | $225.58 | $953.04 | $79.42 | $5592.00 | $466.00 | $0.00 | $2079.00 | $7367.08 | Yes | XXXX | FL | $466.00 | XXXX | Monthly | 36.84% | 36.84% | 36.84% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 91 | 12 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified, 3 YRS Executed 4506T Verified - 2023, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 174459.15 | 83.9 | No | 80 | No | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2115813 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | XXXX | 6.290% | Manual Underwriting | Manual Underwriting | No | 8.229% |  | 7.875% | 7.875% | XXX | No |  | $17687.52 | $1473.96 | $9615.00 | $801.25 | $1956.00 | $163.00 | $0.00 | $11671.97 | $54706.68 | N/A | XXXX | CA | $163.00 | XXXX | Monthly | 25.18% | 25.18% | 25.18% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Personal Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 709 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 133853.27 | 11.5 | 133853.27 | 11.5 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2109818 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | XXXX | 6.290% | Manual Underwriting | Manual Underwriting | No | 7.708% |  | 7.500% | 7.500% | XXX | No |  | $8868.12 | $739.01 | $2699.64 | $224.97 | $0.00 | $0.00 | $0.00 | $7956.12 | $23264.55 | N/A | XXXX |  | $0.00 | XXXX |  | 31.20% | 31.20% | 31.20% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 97.73% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 64624.30 | 8.1 | 64624.30 | 8.1 | No | 88.89 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2109831 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 20644.1 | XXXX | 6.240% | Manual Underwriting | Manual Underwriting | No | 7.464% |  | 6.875% | 6.875% | XXX | No |  | $10543.44 | $878.62 | $1383.00 | $115.25 | $0.00 | $0.00 | $0.00 | $4511.72 | $9937.57 | N/A | XXXX |  | $0.00 | XXXX |  | 33.62% | 33.62% | 33.62% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Executed 4506T Verified, Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 816 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 139751.67 | 31 | 139751.67 | 31 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2122554 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 8355 | XXXX | 6.260% | Manual Underwriting | Manual Underwriting | No | 7.576% |  | 7.500% | 7.500% | XXX | No |  | $5783.52 | $481.96 | $9187.92 | $765.66 | $0.00 | $0.00 | $0.00 | $3670.40 | $25856.37 | N/A | XXXX |  | $0.00 | XXXX |  | 23.73% | 23.73% | 23.73% | Yes | Yes |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | Asset Utilization (DTI) | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | No | No | 60 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Asset Depletion - Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower | Borrower - Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 49486.05 | 13.5 | 388276.18 | 105.8 | No | 70 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2127958 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 1595 | XXXX | 6.230% | Manual Underwriting | Manual Underwriting | No | 7.035% |  | 7.000% | 7.000% | XXX | No |  | $15287.88 | $1273.99 | $3756.96 | $313.08 | $0.00 | $0.00 | $0.00 | $6310.72 | $21766.28 | N/A | XXXX |  | $0.00 | XXXX |  | 27.45% | 27.45% | 27.45% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 61.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | NH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OR | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OR | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1701007.34 | 269.5 | 1701007.34 | 269.5 | No | 64.55 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2126841 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 6635 | XXXX | 6.260% | Manual Underwriting | Manual Underwriting | No | 6.951% |  | 6.875% | 6.875% | XXX | No |  | $8213.28 | $684.44 | $552.96 | $46.08 | $6780.00 | $565.00 | $0.00 | $3358.28 | $4113.26 | N/A | XXXX | CA | $565.00 | XXXX | Monthly | 47.09% | 47.09% | 47.09% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Utilization (DTI) | 2 YRS 1099 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 60 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SSI and Disability, Asset Depletion - 2 YRS 1099 Verified, 2 YRS Executed 4506T Verified - ["2024","2025","2023"] - 2024, 2025, 2023 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025","2023"] - 2024, 2025, 2023 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 798 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 327319.11 | 97.5 | 357029.19 | 106.3 | No | 21.66 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2122616 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 9220.4 | XXXX | 6.160% | Manual Underwriting | Manual Underwriting | No | 7.362% |  | 7.250% | 7.250% | XXX | No |  | $5177.28 | $431.44 | $5714.28 | $476.19 | $0.00 | $0.00 | $0.00 | $2828.64 | $14301.48 | N/A | XXXX |  | $0.00 | XXXX |  | 41.63% | 30.72% | 30.72% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 28507.40 | 10.1 | 163781.35 | 57.9 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2122609 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 10130.7 | XXXX | 6.230% | Manual Underwriting | Manual Underwriting | No | 8.751% |  | 8.500% | 8.500% | XXX | No |  | $15362.52 | $1280.21 | $4050.00 | $337.50 | $1020.00 | $85.00 | $0.00 | $7584.90 | $44757.23 | N/A | XXXX | CA | $85.00 | XXXX | Monthly | 20.16% | 20.30% | 20.30% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SECorporation - Business Bank Statements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower | Borrower - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 725 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 46167.03 | 6.1 | 46167.03 | 6.1 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2122587 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | XXXX | 6.260% | Manual Underwriting | Manual Underwriting | No | 7.792% |  | 7.250% | 7.250% | XXX | No |  | $9177.36 | $764.78 | $3656.16 | $304.68 | $150.00 | $12.50 | $0.00 | $3128.49 | $13131.02 | N/A | XXXX | TX | $12.50 | XXXX | Annually | 36.09% | 36.09% | 36.09% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 73.00% | 75.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, SEPartnership - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 674 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 27156.26 | 8.7 | 27156.26 | 8.7 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2122559 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 2383.36 | XXXX | 6.230% | Manual Underwriting | Manual Underwriting | No | 7.002% |  | 6.875% | 6.875% | XXX | No |  | $9651.48 | $804.29 | $2723.64 | $226.97 | $1839.96 | $153.33 | $0.00 | $3574.17 | $6512.12 | N/A | XXXX | TX | $153.33 | XXXX | Annually | 40.40% | 35.94% | 35.94% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - Personal Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 11502.32 | 3.2 | 11502.32 | 3.2 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2126854 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 16815 | XXXX | 6.230% | Manual Underwriting | Manual Underwriting | No | 7.669% |  | 7.375% | 7.375% | XXX | No |  | $10602.96 | $883.58 | $2682.72 | $223.56 | $0.00 | $0.00 | $0.00 | $6421.89 | $23680.31 | N/A | XXXX |  | $0.00 | XXXX |  | 24.73% | 24.73% | 24.73% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 793 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 91864.85 | 14.3 | 91864.85 | 14.3 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2122588 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 23343.31 | XXXX | 6.230% | Manual Underwriting | Manual Underwriting | No | 7.719% |  | 7.250% | 7.250% | XXX | No |  | $9748.80 | $812.40 | $2379.84 | $198.32 | $1836.00 | $153.00 | $0.00 | $5419.95 | $24378.13 | N/A | XXXX | CA | $153.00 | XXXX | Monthly | 39.87% | 39.31% | 39.31% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SECorporation, SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - N/A | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 666 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act Disclosure | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 169740.64 | 31.3 | 169740.64 | 31.3 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2122592 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | XXXX | 6.190% | Manual Underwriting | Manual Underwriting | No | 7.603% |  | 7.375% | 7.375% | XXX | No |  | $6835.32 | $569.61 | $1449.12 | $120.76 | $5364.00 | $447.00 | $0.00 | $3036.73 | $6407.69 | N/A | XXXX | CA | $447.00 | XXXX | Monthly | 43.85% | 44.27% | 44.27% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | Asset Utilization (DTI) | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | Yes | No | No | 60 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SSI and Disability, Asset Depletion, Other REO Net Rental Income(Loss) - 1 YR Executed 4506T Verified, Award Letter Verified - ["2024","2025"] - 2024, 2025 | Borrower - 1 YR Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 699 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 111342.66 | 36.7 | 111342.66 | 36.7 | No | 52.38 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2129768 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 13774.46 | XXXX | 6.260% | Manual Underwriting | Manual Underwriting | No | 7.220% |  | 7.000% | 7.000% | XXX | No |  | $2553.96 | $212.83 | $0.00 | $0.00 | $5244.00 | $437.00 | $0.00 | $2908.07 | $4451.16 | Yes | XXXX | UT | $437.00 | XXXX | Monthly | 44.21% | 43.14% | 43.14% | No | No |  |  |  |  |  |  | Not Employed | Employed |  |  |  |  | Asset Utilization (DTI) | 0 | 2 YRS W2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 60 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Asset Depletion - 2 YRS Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower - Wage, Overtime - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | UT | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 756 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OR | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | UT | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 276730.00 | 95.2 | 276730.00 | 95.2 | No | 70 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2114448 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 19830 | XXXX | 6.220% | Manual Underwriting | Manual Underwriting | No | 8.928% |  | 8.625% | 8.625% | XXX | No |  | $18109.44 | $1509.12 | $1928.52 | $160.71 | $249.96 | $20.83 | $0.00 | $8585.77 | $26419.95 | N/A | XXXX | TX | $20.83 | XXXX | Annually | 34.52% | 36.97% | 36.97% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Proceeds from Sale | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 710 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 103070.56 | 12 | 103070.56 | 12 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2133234 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.500% | 8.500% | XXX | No |  | $7101.24 | $591.77 | $2481.96 | $206.83 | $0.00 | $0.00 | $0.00 | $2417.16 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.065 | 1.065 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 658 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | NY | United States of America (USA) | XXXX | XXXX | XXXX | Employment Authorization Card or Document | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 192470.23 | 79.6 | No | 50.85 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2122600 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 10325 | XXXX | 6.260% | Manual Underwriting | Manual Underwriting | No | 7.755% |  | 7.625% | 7.625% | XXX | No |  | $1193.52 | $99.46 | $1848.96 | $154.08 | $950.04 | $79.17 | $0.00 | $2852.46 | $22930.28 | N/A | XXXX | TX | $79.17 | XXXX | Annually | 34.63% | 34.65% | 34.65% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 690 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 1 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 16882.55 | 5.9 | 16882.55 | 5.9 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2122605 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 14120 | XXXX | 6.260% | Manual Underwriting | Manual Underwriting | No | 8.089% |  | 7.875% | 7.875% | XXX | No |  | $16250.04 | $1354.17 | $1822.32 | $151.86 | $996.00 | $83.00 | $0.00 | $10072.34 | $28260.01 | N/A | XXXX | CA | $83.00 | XXXX | Monthly | 35.30% | 35.30% | 35.30% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 2 YRS W2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 75.03% | 33.33% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership, Wage, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS W2 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025","2023"] - 2024, 2025, 2023 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025","2023"] - 2024, 2025, 2023 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 773 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 96372.47 | 9.6 | 96372.47 | 9.6 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2122557 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 12209.38 | XXXX | 6.260% | Manual Underwriting | Manual Underwriting | No | 6.953% |  | 6.875% | 6.875% | XXX | No |  | $8427.96 | $702.33 | $5247.00 | $437.25 | $0.00 | $0.00 | $0.00 | $4473.49 | $13781.43 | N/A | XXXX |  | $0.00 | XXXX |  | 41.21% | 41.21% | 41.21% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 77577.37 | 17.3 | 77577.37 | 17.3 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2122570 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 7925 | XXXX | 6.230% | Manual Underwriting | Manual Underwriting | No | 6.998% |  | 6.875% | 6.875% | XXX | No |  | $2904.00 | $242.00 | $3343.20 | $278.60 | $2160.00 | $180.00 | $0.00 | $2408.61 | $8537.44 | N/A | XXXX | TX | $180.00 | XXXX | Annually | 27.13% | 27.47% | 27.47% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 789 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 215205.09 | 89.4 | 215205.09 | 89.4 | No | 72.63 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2122563 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 13925 | XXXX | 6.230% | Manual Underwriting | Manual Underwriting | No | 6.797% |  | 6.750% | 6.750% | XXX | No |  | $14751.96 | $1229.33 | $13594.44 | $1132.87 | $0.00 | $0.00 | $0.00 | $8848.18 | $11549.96 | N/A | XXXX |  | $0.00 | XXXX |  | 45.80% | 45.80% | 45.80% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | Yes | No | 60 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Asset Depletion - 2 YRS Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower - Asset Depletion - 2 YRS Executed 4506T Verified - ["2025"] - 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | CO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 773 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | MN | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MN | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 526595.75 | 59.5 | 526595.75 | 59.5 | No | 37.74 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2122555 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 1425 | XXXX | 6.260% | Manual Underwriting | Manual Underwriting | No | 7.847% |  | 7.750% | 7.750% | XXX | No |  | $4734.96 | $394.58 | $2455.68 | $204.64 | $0.00 | $0.00 | $0.00 | $3565.17 | $16214.93 | N/A | XXXX |  | $0.00 | XXXX |  | 40.78% | 40.78% | 40.78% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | MI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 714 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MI | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 70156.55 | 19.7 | 256645.56 | 72 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2122566 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 12246.7 | XXXX | 6.230% | Manual Underwriting | Manual Underwriting | No | 7.001% |  | 6.875% | 6.875% | XXX | No |  | $4314.12 | $359.51 | $885.96 | $73.83 | $0.00 | $0.00 | $0.00 | $2793.03 | $9024.65 | N/A | XXXX |  | $0.00 | XXXX |  | 39.30% | 39.30% | 39.30% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SEPartnership - Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | OR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | OR | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | OR | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 116063.42 | 41.6 | 116063.42 | 41.6 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2122598 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | XXXX | 6.190% | Manual Underwriting | Manual Underwriting | No | 7.732% |  | 7.625% | 7.625% | XXX | No |  | $5766.00 | $480.50 | $5182.80 | $431.90 | $1020.00 | $85.00 | $0.00 | $10364.34 | $12638.02 | N/A | XXXX | TN | $85.00 | XXXX | Monthly | 49.35% | 49.35% | 49.35% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  | Proceeds from Sale | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025","2023"] - 2024, 2025, 2023 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025","2023"] - 2024, 2025, 2023 | XXXX | XXXX | TN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 663 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TN | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 36025.45 | 3.8 | 36025.45 | 3.8 | No | 76.72 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2122580 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | XXXX | 6.230% | Manual Underwriting | Manual Underwriting | No | 7.270% |  | 7.125% | 7.125% | XXX | No |  | $1070.40 | $89.20 | $2852.04 | $237.67 | $0.00 | $0.00 | $0.00 | $1969.06 | $17310.82 | N/A | XXXX |  | $0.00 | XXXX |  | 33.88% | 33.88% | 33.88% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | AL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 725 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | AL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 7145.32 | 3.6 | 7145.32 | 3.6 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2126851 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 13625 | XXXX | 6.230% | Manual Underwriting | Manual Underwriting | No | 7.334% |  | 7.250% | 7.250% | XXX | No |  | $5224.32 | $435.36 | $1734.00 | $144.50 | $0.00 | $0.00 | $0.00 | $4127.18 | $28817.67 | N/A | XXXX |  | $0.00 | XXXX |  | 22.18% | 22.18% | 22.18% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 710 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 128955.36 | 31.3 | 128955.36 | 31.3 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2122590 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 18594.79 | XXXX | 6.220% | Manual Underwriting | Manual Underwriting | No | 7.936% |  | 7.750% | 7.750% | XXX | No |  | $3719.16 | $309.93 | $4598.04 | $383.17 | $0.00 | $0.00 | $0.00 | $4194.56 | $45173.44 | N/A | XXXX |  | $0.00 | XXXX |  | 14.14% | 14.14% | 14.14% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 45080.18 | 10.8 | 45080.18 | 10.8 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2122573 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | XXXX | 6.190% | Manual Underwriting | Manual Underwriting | No | 7.144% |  | 7.000% | 7.000% | XXX | No |  | $8221.80 | $685.15 | $3435.00 | $286.25 | $519.96 | $43.33 | $0.00 | $2877.57 | $10545.76 | N/A | XXXX | TX | $43.33 | XXXX | Annually | 37.23% | 37.23% | 37.23% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 738 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 32952.92 | 11.5 | 32952.92 | 11.5 | No | 73.68 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2122583 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 13415 | XXXX | 6.260% | Manual Underwriting | Manual Underwriting | No | 7.272% |  | 7.125% | 7.125% | XXX | No |  | $6812.52 | $567.71 | $2139.96 | $178.33 | $0.00 | $0.00 | $0.00 | $3683.45 | $25682.91 | N/A | XXXX |  | $0.00 | XXXX |  | 15.77% | 15.86% | 15.86% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 27917.34 | 7.6 | 27917.34 | 7.6 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2122571 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | XXXX | 6.190% | Manual Underwriting | Manual Underwriting | No | 6.987% |  | 6.875% | 6.875% | XXX | No |  | $3816.96 | $318.08 | $5748.00 | $479.00 | $0.00 | $0.00 | $0.00 | $2767.87 | $10195.50 | N/A | XXXX |  | $0.00 | XXXX |  | 49.18% | 46.42% | 46.42% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | OK | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OK | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | Yes | N/A | 19455.77 | 7 | 19455.77 | 7 | No | 45.18 | N/A | No | Yes | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2122565 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 7353.13 | XXXX | 6.230% | Manual Underwriting | Manual Underwriting | No | 6.963% |  | 6.875% | 6.875% | XXX | No |  | $8860.08 | $738.34 | $781.68 | $65.14 | $4800.00 | $400.00 | $0.00 | $3657.11 | $5734.26 | Yes | XXXX | WA | $400.00 | XXXX | Monthly | 42.61% | 42.56% | 42.56% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Utilization (DTI) | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 60 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Asset Depletion - Executed 4506T Verified - ["2025"] - 2025 | Borrower - Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 759 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | WA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 611142.06 | 167.1 | 611142.06 | 167.1 | No | 28.19 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2122553 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | XXXX | 6.230% | Manual Underwriting | Manual Underwriting | No | 6.568% |  | 6.375% | 6.375% | XXX | No |  | $10470.96 | $872.58 | $1325.04 | $110.42 | $600.00 | $50.00 | $0.00 | $5528.72 | $24887.59 | N/A | XXXX | CA | $50.00 | XXXX | Monthly | 19.53% | 19.02% | 19.02% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 50.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 791 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 578184.36 | 104.6 | 578184.36 | 104.6 | No | 64.31 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2122576 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | XXXX | 6.220% | Manual Underwriting | Manual Underwriting | No | 7.221% |  | 7.000% | 7.000% | XXX | No |  | $13840.68 | $1153.39 | $6915.84 | $576.32 | $1650.00 | $137.50 | $0.00 | $6433.85 | $13971.43 | N/A | XXXX | TX | $137.50 | XXXX | Annually | 49.20% | 49.20% | 49.20% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | N/A | 0 | 0 | 100.00% | 50.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Executed 4506T Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 753 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Other |  | TX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 72847.89 | 11.3 | 72847.89 | 11.3 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2122597 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | XXXX | 6.190% | Manual Underwriting | Manual Underwriting | No | 7.698% |  | 7.625% | 7.625% | XXX | No |  | $4584.72 | $382.06 | $1872.00 | $156.00 | $0.00 | $0.00 | $0.00 | $3539.11 | $38437.46 | N/A | XXXX |  | $0.00 | XXXX |  | 16.46% | 16.46% | 16.46% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 211578.63 | 59.8 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2122575 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 5425 | XXXX | 6.190% | Manual Underwriting | Manual Underwriting | No | 6.949% |  | 6.625% | 6.625% | XXX | No |  | $6003.00 | $500.25 | $1527.00 | $127.25 | $500.04 | $41.67 | $0.00 | $2006.14 | $3838.86 | N/A | XXXX | TX | $41.67 | XXXX | Annually | 34.32% | 34.32% | 34.32% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Executed 4506T Verified, Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 798 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 228037.57 | 124 | 228037.57 | 124 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2122611 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 4810 | XXXX | 6.160% | Manual Underwriting | Manual Underwriting | No | 7.773% |  | 7.375% | 7.375% | XXX | No |  | $2438.52 | $203.21 | $1676.04 | $139.67 | $0.00 | $0.00 | $0.00 | $1482.49 | $2423.38 | N/A | XXXX |  | $0.00 | XXXX |  | 46.12% | 46.12% | 46.12% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1099 Verified | 1 YR 1099 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Retirement - 1 YR 1099 Verified, Executed 4506T Verified, Award Letter Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 733 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 148162.45 | 99.9 | No | 20.63 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2129769 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 15000 | XXXX | 6.230% | Manual Underwriting | Manual Underwriting | No | 7.087% |  | 7.000% | 7.000% | XXX | No |  | $14979.84 | $1248.32 | $6718.20 | $559.85 | $0.00 | $0.00 | $0.00 | $13474.84 | $58869.16 | N/A | XXXX |  | $0.00 | XXXX |  | 18.76% | 18.63% | 23.93% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 753 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 1 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 306765.47 | 22.8 | No | 56.74 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2126852 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 11345 | XXXX | 6.260% | Manual Underwriting | Manual Underwriting | No | 7.191% |  | 7.000% | 7.000% | XXX | No |  | $5341.56 | $445.13 | $4025.04 | $335.42 | $0.00 | $0.00 | $0.00 | $5454.97 | $11525.78 | N/A | XXXX |  | $0.00 | XXXX |  | 41.44% | 41.44% | 41.44% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 1 YR W2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | Yes | 0 | 0 | 64.99% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Executed 4506T Verified, Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage - 1 YR W2 Verified, 1 Month Paystubs Verified, Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | AL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 697 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AL | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 91711.37 | 16.8 | 91711.37 | 16.8 | No | 60 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2122604 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 26297.95 | XXXX | 6.230% | Manual Underwriting | Manual Underwriting | No | 8.053% |  | 7.750% | 7.750% | XXX | No |  | $7542.00 | $628.50 | $1129.08 | $94.09 | $0.00 | $0.00 | $0.00 | $4977.43 | $23215.83 | N/A | XXXX |  | $0.00 | XXXX |  | 22.22% | 22.22% | 22.22% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | WA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | WA | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 124465.85 | 25 | 124465.85 | 25 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2133264 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | XXXX | 6.270% | Manual Underwriting | Manual Underwriting | No | 8.002% |  | 7.875% | 7.875% | XXX | No |  | $4596.24 | $383.02 | $1304.04 | $108.67 | $0.00 | $0.00 | $0.00 | $1579.29 | $4816.81 | N/A | XXXX |  | $0.00 | XXXX |  | 31.33% | 31.35% | 31.35% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 683 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot act disclosure form | OH | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 158324.95 | 100.3 | 8324.95 | 5.3 | No | 53.57 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2122560 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 9183.12 | XXXX | 6.190% | Manual Underwriting | Manual Underwriting | No | 8.629% |  | 8.250% | 8.250% | XXX | No |  | $10948.32 | $912.36 | $3398.04 | $283.17 | $1560.00 | $130.00 | $0.00 | $3658.21 | $9593.46 | N/A | XXXX | TX | $130.00 | XXXX | Annually | 31.41% | 31.37% | 31.37% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 58505.98 | 16 | 58505.98 | 16 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2126855 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 5233.62 | XXXX | 6.260% | Manual Underwriting | Manual Underwriting | No | 7.597% |  | 7.500% | 7.500% | XXX | No |  | $13956.48 | $1163.04 | $2625.96 | $218.83 | $0.00 | $0.00 | $0.00 | $6529.15 | $23670.46 | N/A | XXXX |  | $0.00 | XXXX |  | 47.21% | 43.67% | 47.21% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 148933.01 | 22.8 | 148933.01 | 22.8 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2122572 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | XXXX | 6.230% | Manual Underwriting | Manual Underwriting | No | 6.955% |  | 6.875% | 6.875% | XXX | No |  | $6667.08 | $555.59 | $3099.00 | $258.25 | $1040.04 | $86.67 | $0.00 | $3475.67 | $17577.35 | N/A | XXXX | TX | $86.67 | XXXX | Annually | 39.68% | 39.68% | 39.68% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 775 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 33342.14 | 9.6 | 33342.14 | 9.6 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2124098 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | XXX | Yes | 23.990% | $3223.80 | $268.65 | $711.00 | $59.25 | $0.00 | $0.00 | $0.00 | $1617.21 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.36 | 1.02 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 685 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 35771.60 | 22.1 | 85387.10 | 52.8 | No | 64.73 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2126842 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | XXXX | 6.260% | Manual Underwriting | Manual Underwriting | No | 6.792% |  | 6.750% | 6.750% | XXX | No |  | $6553.08 | $546.09 | $1644.96 | $137.08 | $2040.00 | $170.00 | $0.00 | $4550.18 | $16084.82 | N/A | XXXX | CA | $170.00 | XXXX | Monthly | 31.55% | 31.55% | 31.55% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act Disclosure | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 85725.00 | 18.8 | 85725.00 | 18.8 | No | 41.45 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2126843 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 6060 | XXXX | 6.260% | Manual Underwriting | Manual Underwriting | No | 7.146% |  | 7.125% | 7.125% | XXX | No |  | $11538.72 | $961.56 | $369.00 | $30.75 | $2880.00 | $240.00 | $0.00 | $3954.13 | $9791.76 | Yes | XXXX | NJ | $240.00 | XXXX | Monthly | 21.39% | 31.44% | 31.44% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 51.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SEPartnership - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | NJ | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 81575.27 | 20.6 | 81575.27 | 20.6 | No | 76.23 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2122596 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | XXXX | 6.220% | Manual Underwriting | Manual Underwriting | No | 7.742% |  | 7.625% | 7.625% | XXX | No |  | $19801.44 | $1650.12 | $2405.88 | $200.49 | $399.96 | $33.33 | $0.00 | $7003.70 | $9267.38 | N/A | XXXX | TX | $33.33 | XXXX | Annually | 44.79% | 44.79% | 44.79% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 679 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 72010.18 | 10.3 | 72010.18 | 10.3 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2124103 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.500% | 7.500% | XXX | Yes | 23.990% | $1908.00 | $159.00 | $1601.04 | $133.42 | $0.00 | $0.00 | $0.00 | $1100.01 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.045 | 1.045 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | XXXX | XXXX | 1 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MO | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 309536.83 | 281.4 | 316721.49 | 287.9 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2126846 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 10803.64 | XXXX | 6.230% | Manual Underwriting | Manual Underwriting | No | 7.185% |  | 6.875% | 6.875% | XXX | No |  | $8856.12 | $738.01 | $2832.96 | $236.08 | $0.00 | $0.00 | $0.00 | $4074.79 | $8484.21 | N/A | XXXX |  | $0.00 | XXXX |  | 32.94% | 32.94% | 32.94% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 794 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 19423.54 | 4.8 | 19423.54 | 4.8 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2122569 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 3327.8 | XXXX | 6.190% | Manual Underwriting | Manual Underwriting | No | 6.975% |  | 6.875% | 6.875% | XXX | No |  | $11172.48 | $931.04 | $3023.04 | $251.92 | $0.00 | $0.00 | $0.00 | $5334.75 | $7490.41 | N/A | XXXX |  | $0.00 | XXXX |  | 48.00% | 48.00% | 48.00% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 811 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 57701.61 | 10.8 | 57701.61 | 10.8 | No | 69.07 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2126845 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | XXXX | 6.260% | Manual Underwriting | Manual Underwriting | No | 7.000% |  | 6.750% | 6.750% | XXX | No |  | $9393.00 | $782.75 | $5574.36 | $464.53 | $0.00 | $0.00 | $0.00 | $3244.96 | $10684.62 | N/A | XXXX |  | $0.00 | XXXX |  | 31.56% | 31.56% | 31.56% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 727.90 | 0.2 | 287655.99 | 88.7 | No | 49.84 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2126844 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | XXXX | 6.190% | Manual Underwriting | Manual Underwriting | No | 7.110% |  | 6.750% | 6.750% | XXX | No |  | $6741.72 | $561.81 | $1173.96 | $97.83 | $0.00 | $0.00 | $0.00 | $3059.45 | $11627.89 | N/A | XXXX |  | $0.00 | XXXX |  | 30.27% | 30.85% | 30.85% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 56618.19 | 18.5 | 107316.99 | 35.1 | No | 68.01 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2126849 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 20094.4 | XXXX | 6.250% | Manual Underwriting | Manual Underwriting | No | 7.263% |  | 6.875% | 6.875% | XXX | No |  | $9147.24 | $762.27 | $2091.84 | $174.32 | $800.04 | $66.67 | $0.00 | $3499.59 | $12187.10 | N/A | XXXX | TX | $66.67 | XXXX | Annually | 49.51% | 49.51% | 49.51% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 YRS W2 | 1 YR 1099 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 26 | 26 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Other - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - Wage - 1 YR 1099 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 173816.37 | 49.7 | 173816.37 | 49.7 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2124102 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.000% | 7.000% | XXX | Yes | 23.990% | $6418.08 | $534.84 | $345.00 | $28.75 | $4138.56 | $344.88 | $0.00 | $2465.97 |  | Yes | XXXX | NJ | $344.88 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.034 | 1.034 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 698 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 18427.90 | 7.5 | 18427.90 | 7.5 | No | 75 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2124104 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.250% | 7.250% | XXX | Yes | 23.990% | $1500.00 | $125.00 | $1311.96 | $109.33 | $0.00 | $0.00 | $0.00 | $899.45 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.445 | 1.445 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 720 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OH | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 13538.92 | 15.1 | 99732.67 | 110.9 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2124099 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.000% | 7.000% | XXX | Yes | 23.990% | $701.28 | $58.44 | $640.20 | $53.35 | $0.00 | $0.00 | $0.00 | $630.73 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale,Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.744 | 1.744 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 801 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | NY | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 22410.25 | 35.5 | 33847.24 | 53.7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2124105 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.500% | 7.500% | XXX | Yes | 10.000% | $4185.60 | $348.80 | $6471.24 | $539.27 | $1920.00 | $160.00 | $0.00 | $2572.36 |  | N/A | XXXX | FL | $160.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.011 | 1.011 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 594081.36 | 231 | 594081.36 | 231 | No | 65.07 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2124106 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.500% | 7.500% | XXX | Yes | 18.000% | $10634.40 | $886.20 | $8479.92 | $706.66 | $0.00 | $0.00 | $0.00 | $3874.11 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.007 | 1.007 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 599876.24 | 154.8 | 599876.24 | 154.8 | No | 34.76 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2124100 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.000% | 7.000% | XXX | Yes | 10.000% | $365.28 | $30.44 | $1278.00 | $106.50 | $0.00 | $0.00 | $0.00 | $680.82 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale,Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.909 | 1.909 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 801 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | NY | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 21895.65 | 32.2 | 34163.29 | 50.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2126850 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 7465.89 | XXXX | 6.190% | Manual Underwriting | Manual Underwriting | No | 6.948% |  | 6.875% | 6.875% | XXX | No |  | $5779.32 | $481.61 | $902.04 | $75.17 | $0.00 | $0.00 | $0.00 | $2320.53 | $2503.37 | N/A | XXXX |  | $0.00 | XXXX |  | 48.48% | 48.48% | 48.48% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 2 YRS W2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | Yes | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 50.30% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 30 | 30 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Wage, Commission, Other - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025","2023"] - 2024, 2025, 2023 | Borrower - 1 YR Executed 4506T Verified - ["2024","2025","2023"] - 2024, 2025, 2023 | XXXX | XXXX | AK | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AK | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 14228.27 | 6.1 | 14228.27 | 6.1 | No | 55.36 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2123468 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 8985 | XXXX | 6.180% | Manual Underwriting | Manual Underwriting | No | 7.615% |  | 7.375% | 7.375% | XXX | No |  | $5557.44 | $463.12 | $1962.00 | $163.50 | $0.00 | $0.00 | $0.00 | $4107.62 | $21739.93 | N/A | XXXX |  | $0.00 | XXXX |  | 16.23% | 16.23% | 16.23% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 10 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 32644.91 | 8 | 32644.91 | 8 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2124097 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 6.875% | 6.875% | XXX | Yes | 23.990% | $12316.56 | $1026.38 | $4012.44 | $334.37 | $0.00 | $0.00 | $0.00 | $3145.39 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.017 | 1.017 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 790 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 76010.54 | 24.2 | 76010.54 | 24.2 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2131393 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.625% | 6.625% | XXX | Yes | 23.990% | $3224.88 | $268.74 | $2043.12 | $170.26 | $0.00 | $0.00 | $0.00 | $1156.15 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.557 | 1.557 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | WI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 730 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | WI | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 19612.78 | 17 | 27131.43 | 23.5 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2129776 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 10376.52 | XXXX | 6.190% | Manual Underwriting | Manual Underwriting | No | 6.858% |  | 6.750% | 6.750% | XXX | No |  | $2937.84 | $244.82 | $3069.96 | $255.83 | $0.00 | $0.00 | $0.00 | $2783.72 | $21294.61 | N/A | XXXX |  | $0.00 | XXXX |  | 18.47% | 18.11% | 18.11% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1099 Verified | 1 YR 1099 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 1 YR 1099 Verified, 3 YRS Executed 4506T Verified - ["2024"] - 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2024"] - 2024 | XXXX | XXXX | CO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 801 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CO | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 196502.44 | 70.6 | 196502.44 | 70.6 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2129795 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | XXXX | 6.190% | Manual Underwriting | Manual Underwriting | No | 7.608% |  | 7.375% | 7.375% | XXX | No |  | $3288.48 | $274.04 | $1533.00 | $127.75 | $0.00 | $0.00 | $0.00 | $2584.32 | $3847.90 | N/A | XXXX |  | $0.00 | XXXX |  | 40.83% | 40.83% | 40.83% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | VA | United States of America (USA) | XXXX | XXXX | XXXX | Employment Authorization Card or Document | XXXX | XXXX | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | VA | XXXX | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 43013.94 | 16.6 | 43013.94 | 16.6 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2133235 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 11875 | XXXX | 6.190% | Manual Underwriting | Manual Underwriting | No | 7.782% |  | 7.625% | 7.625% | XXX | No |  | $9330.48 | $777.54 | $2372.88 | $197.74 | $0.00 | $0.00 | $0.00 | $4372.69 | $18745.31 | N/A | XXXX |  | $0.00 | XXXX |  | 34.86% | 34.86% | 34.86% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 0 | 12 | 78.32% | 0.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 17 | 17 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2024","2025","2023"] - 2024, 2025, 2023 \|\| Co Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025","2023"] - 2024, 2025, 2023 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 694 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NY | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 37090.89 | 8.5 | 37090.89 | 8.5 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2129787 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | XXXX | 6.170% | Manual Underwriting | Manual Underwriting | No | 6.833% |  | 6.750% | 6.750% | XXX | No |  | $1603.80 | $133.65 | $1308.96 | $109.08 | $0.00 | $0.00 | $0.00 | $3356.00 | $9134.35 | N/A | XXXX |  | $0.00 | XXXX |  | 44.96% | 44.96% | 44.96% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Personal Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 360684.83 | 107.5 | 360684.83 | 107.5 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2129789 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 8396.25 | XXXX | 6.190% | Manual Underwriting | Manual Underwriting | No | 7.631% |  | 7.500% | 7.500% | XXX | No |  | $6319.44 | $526.62 | $0.00 | $0.00 | $6180.00 | $515.00 | $0.00 | $4785.61 | $11301.92 | Yes | XXXX | CA | $515.00 | XXXX | Monthly | 44.16% | 44.14% | 44.14% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, SSI and Disability - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, Award Letter Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 711 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 22935.10 | 4.8 | 88847.99 | 18.6 | No | 68.35 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2129788 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 10000 | XXXX | 6.250% | Manual Underwriting | Manual Underwriting | No | 7.224% |  | 7.125% | 7.125% | XXX | No |  | $2937.12 | $244.76 | $2355.48 | $196.29 | $0.00 | $0.00 | $0.00 | $3135.92 | $40838.70 | N/A | XXXX |  | $0.00 | XXXX |  | 14.92% | 14.92% | 14.92% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SECorporation - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SECorporation - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 685 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 162585.98 | 51.8 | 391803.34 | 124.9 | No | 36.36 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2129792 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 15748.52 | XXXX | 6.250% | Manual Underwriting | Manual Underwriting | No | 7.010% |  | 6.875% | 6.875% | XXX | No |  | $4928.40 | $410.70 | $3254.04 | $271.17 | $636.00 | $53.00 | $0.00 | $4308.56 | $96031.15 | N/A | XXXX | FL | $53.00 | XXXX | Annually | 13.10% | 13.10% | 13.10% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 752 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | Employment Authorization Card or Document | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 81001.37 | 18.8 | 81001.37 | 18.8 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2133258 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 11425 | XXXX | 6.250% | Manual Underwriting | Manual Underwriting | No | 6.637% |  | 6.500% | 6.500% | XXX | No |  | $17000.04 | $1416.67 | $1750.20 | $145.85 | $0.00 | $0.00 | $0.00 | $8256.12 | $19118.06 | N/A | XXXX |  | $0.00 | XXXX |  | 38.49% | 38.49% | 38.49% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 72766.28 | 8.8 | 72766.28 | 8.8 | No | 77.87 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2128027 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 6.625% | 6.625% | XXX | Yes | 23.990% | $5732.52 | $477.71 | $1839.96 | $153.33 | $0.00 | $0.00 | $0.00 | $2643.54 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds,Stocks/Bonds,Stocks/Bonds,Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.021 | 1.021 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 790 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NY | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 5867884.13 | 2219.7 | 5867884.13 | 2219.7 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2133262 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.500% | 6.500% | XXX | No |  | $10974.00 | $914.50 | $963.96 | $80.33 | $3696.00 | $308.00 | $0.00 | $3395.02 |  | N/A | XXXX | IL | $308.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.001 | 1.053 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 791 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Real ID Driver's License |  | IL | United States of America (USA) | XXXX | XXXX | XXXX | Employment Authorization Card or Document | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 12318.33 | 3.6 | 12318.33 | 3.6 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2133253 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 17000 | XXXX | 6.250% | Manual Underwriting | Manual Underwriting | No | 7.354% |  | 7.125% | 7.125% | XXX | No |  | $16650.00 | $1387.50 | $3467.04 | $288.92 | $0.00 | $0.00 | $0.00 | $8855.56 | $12692.42 | N/A | XXXX |  | $0.00 | XXXX |  | 48.58% | 49.19% | 49.19% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | Asset Utilization (DTI) | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | No | No | 60 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Asset Depletion, Other REO Net Rental Income(Loss) - Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower | Borrower - Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1856545.56 | 209.7 | 1856545.56 | 209.7 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2127957 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 1595 | XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 8.008% |  | 8.000% | 8.000% | XXX | No |  | $17272.44 | $1439.37 | $3111.12 | $259.26 | $0.00 | $0.00 | $0.00 | $10056.21 | $32865.36 | N/A | XXXX |  | $0.00 | XXXX |  | 34.94% | 34.94% | 34.94% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, SEPartnership, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 693 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 60384.26 | 6 | 60384.26 | 6 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2129773 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | XXXX | 6.190% | Manual Underwriting | Manual Underwriting | No | 7.904% |  | 7.750% | 7.750% | XXX | No |  | $2745.72 | $228.81 | $1717.80 | $143.15 | $0.00 | $0.00 | $0.00 | $1919.41 | $5968.59 | N/A | XXXX |  | $0.00 | XXXX |  | 34.96% | 34.96% | 34.96% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025"] - 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 707 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | Employment Authorization Card or Document | XXXX | XXXX | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Real ID Driver's License |  | FL | XXXX | XXXX | XXXX | XXXX | Employment Authorization Card or Document | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 36647.66 | 19.1 | 36647.66 | 19.1 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2133260 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 18425 | XXXX | 6.190% | Manual Underwriting | Manual Underwriting | No | 7.010% |  | 6.875% | 6.875% | XXX | No |  | $23608.08 | $1967.34 | $5185.80 | $432.15 | $1200.00 | $100.00 | $0.00 | $13404.51 | $21556.99 | N/A | XXXX | TX | $100.00 | XXXX | Annually | 40.76% | 40.76% | 40.76% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Asset Utilization (DTI) | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 60 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 28 | 28 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Asset Depletion - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 721 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | AZ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1700642.44 | 126.9 | 1700642.44 | 126.9 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2133231 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | XXX | No |  | $8565.84 | $713.82 | $1401.36 | $116.78 | $8652.00 | $721.00 | $0.00 | $8320.22 |  | Yes | XXXX | NJ | $721.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.292 | 1.26 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | PA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | PA | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 35567.84 | 4.3 | No | 67.82 | Yes | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2129777 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | XXXX | 6.170% | Manual Underwriting | Manual Underwriting | No | 6.924% |  | 6.875% | 6.875% | XXX | No |  | $9445.68 | $787.14 | $8357.04 | $696.42 | $0.00 | $0.00 | $0.00 | $5425.13 | $24853.19 | N/A | XXXX |  | $0.00 | XXXX |  | 23.78% | 23.78% | 23.78% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | LA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 801 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | LA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 32594.26 | 6 | 32594.26 | 6 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2133251 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | XXX | No |  | $3164.40 | $263.70 | $832.20 | $69.35 | $0.00 | $0.00 | $0.00 | $2353.27 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.232 | 1.232 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | MD | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | Yes | N/A | .00 | 0 | 111151.28 | 47.2 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2125847 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 6.875% | 6.875% | XXX | Yes | 23.990% | $6933.72 | $577.81 | $2494.08 | $207.84 | $0.00 | $0.00 | $0.00 | $3027.42 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.693 | 1.693 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 356419.46 | 117.7 | 667508.40 | 220.5 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2129783 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | XXXX | 6.190% | Manual Underwriting | Manual Underwriting | No | 7.062% |  | 7.000% | 7.000% | XXX | No |  | $7725.60 | $643.80 | $2605.56 | $217.13 | $4272.00 | $356.00 | $0.00 | $4091.04 | $11450.96 | N/A | XXXX | FL | $356.00 | XXXX | Monthly | 29.31% | 29.31% | 29.31% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 525595.01 | 128.5 | 525595.01 | 128.5 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2129774 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 27157.44 | XXXX | 6.170% | Manual Underwriting | Manual Underwriting | No | 6.949% |  | 6.750% | 6.750% | XXX | No |  | $15505.68 | $1292.14 | $1409.04 | $117.42 | $1260.00 | $105.00 | $0.00 | $7146.47 | $8184.55 | N/A | XXXX | CA | $105.00 | XXXX | Monthly | 49.97% | 49.94% | 49.94% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 687 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 80461.40 | 11.7 | 80461.40 | 11.7 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2129785 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 18410 | XXXX | 6.190% | Manual Underwriting | Manual Underwriting | No | 7.178% |  | 7.125% | 7.125% | XXX | No |  | $5973.00 | $497.75 | $3146.76 | $262.23 | $1656.00 | $138.00 | $0.00 | $5614.01 | $23344.34 | N/A | XXXX | AZ | $138.00 | XXXX | Monthly | 32.40% | 32.40% | 32.40% | Yes |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Utilization (DTI) | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 60 | No | Yes | Yes | 3 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Asset Depletion, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Personal Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 814 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | AZ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 2103072.93 | 374.6 | 2103072.93 | 374.6 | No | 79.55 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2133232 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 6465 | XXXX | 6.190% | Manual Underwriting | Manual Underwriting | No | 8.047% |  | 7.750% | 7.750% | XXX | No |  | $1693.68 | $141.14 | $1614.96 | $134.58 | $0.00 | $0.00 | $0.00 | $2338.99 | $29284.20 | N/A | XXXX |  | $0.00 | XXXX |  | 14.18% | 14.15% | 14.15% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 70.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | HI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 688 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | HI | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 372728.41 | 159.4 | 372728.41 | 159.4 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2133256 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 8400 | XXXX | 6.190% | Manual Underwriting | Manual Underwriting | No | 7.527% |  | 7.500% | 7.500% | XXX | No |  | $5586.60 | $465.55 | $2160.00 | $180.00 | $0.00 | $0.00 | $0.00 | $5344.27 | $11356.73 | N/A | XXXX |  | $0.00 | XXXX |  | 44.76% | 44.76% | 44.76% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 731 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 30720.99 | 5.7 | 92916.69 | 17.4 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2129775 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | XXXX | 6.170% | Manual Underwriting | Manual Underwriting | No | 6.648% |  | 6.625% | 6.625% | XXX | No |  | $27842.64 | $2320.22 | $2915.40 | $242.95 | $2196.00 | $183.00 | $0.00 | $12670.99 | $16643.64 | N/A | XXXX | CA | $183.00 | XXXX | Monthly | 52.90% | 49.89% | 49.89% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1099 Verified | 1 YR 1099 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - 1 YR 1099 Verified, 2 YRS Executed 4506T Verified - ["2024"] - 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified - ["2024"] - 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 793 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 71387.50 | 5.6 | 71387.50 | 5.6 | No | 77.5 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2133252 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | XXXX | 6.170% | Manual Underwriting | Manual Underwriting | No | 8.336% |  | 8.250% | 8.250% | XXX | No |  | $11562.48 | $963.54 | $5373.00 | $447.75 | $0.00 | $0.00 | $0.00 | $6970.66 | $10603.34 | N/A | XXXX |  | $0.00 | XXXX |  | 41.28% | 41.28% | 41.28% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025"] - 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 667 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 182928.67 | 26.2 | 107326.67 | 15.4 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2133257 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 8525 | XXXX | 6.190% | Manual Underwriting | Manual Underwriting | No | 6.893% |  | 6.625% | 6.625% | XXX | No |  | $1773.60 | $147.80 | $906.96 | $75.58 | $999.96 | $83.33 | $0.00 | $2611.30 | $15942.92 | N/A | XXXX | ID | $83.33 | XXXX | Annually | 22.82% | 22.82% | 22.82% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Proceeds from Sale | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025"] - 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | ID | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | ID | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 157938.10 | 60.5 | 157938.10 | 60.5 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2133240 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | XXX | No |  | $3710.88 | $309.24 | $6459.96 | $538.33 | $0.00 | $0.00 | $0.00 | $3353.20 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.002 | 1.071 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 706 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 282776.35 | 84.3 | No | 68.51 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2133249 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | XXX | No |  | $2577.96 | $214.83 | $2013.00 | $167.75 | $0.00 | $0.00 | $0.00 | $2620.37 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.278 | 1.267 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TN | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 7063.16 | 2.7 | 325536.58 | 124.2 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2133254 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 3420 | XXXX | 6.190% | Manual Underwriting | Manual Underwriting | No | 7.526% |  | 7.250% | 7.250% | XXX | No |  | $2831.04 | $235.92 | $2316.96 | $193.08 | $0.00 | $0.00 | $0.00 | $1520.48 | $24074.56 | N/A | XXXX |  | $0.00 | XXXX |  | 6.07% | 6.07% | 6.07% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025"] - 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | AL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 805 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | AL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 224291.10 | 147.5 | 224291.10 | 147.5 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2131400 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.000% | 7.000% | XXX | Yes | 23.990% | $4572.12 | $381.01 | $193.32 | $16.11 | $3900.00 | $325.00 | $0.00 | $2230.04 |  | Yes | XXXX | NJ | $325.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.005 | 1.005 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1099971.84 | 493.3 | 1196712.85 | 536.6 | No | 68.93 | No | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2131405 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.000% | 7.000% | XXX | Yes | 23.990% | $4572.12 | $381.01 | $193.32 | $16.11 | $3900.00 | $325.00 | $0.00 | $2253.37 |  | Yes | XXXX | NJ | $325.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.005 | 1.005 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1101518.40 | 488.8 | 1202114.52 | 533.5 | No | 70 | No | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2131398 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.000% | 7.000% | XXX | Yes | 23.990% | $4572.12 | $381.01 | $193.32 | $16.11 | $3900.00 | $325.00 | $0.00 | $2209.62 |  | Yes | XXXX | NJ | $325.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.005 | 1.005 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1110501.96 | 502.6 | 1201983.27 | 544 | No | 68 | No | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2131399 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.000% | 7.000% | XXX | Yes | 23.990% | $4572.12 | $381.01 | $193.32 | $16.11 | $3900.00 | $325.00 | $0.00 | $2209.62 |  | Yes | XXXX | NJ | $325.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.005 | 1.005 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1108629.08 | 501.7 | 1201983.27 | 544 | No | 68 | No | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2131401 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.000% | 7.000% | XXX | Yes | 23.000% | $4572.12 | $381.01 | $193.32 | $16.11 | $3900.00 | $325.00 | $0.00 | $2238.79 |  | Yes | XXXX | NJ | $325.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.005 | 1.005 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1104120.91 | 493.2 | 1202070.78 | 536.9 | No | 69.33 | No | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2131402 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.000% | 7.000% | XXX | No |  | $4572.12 | $381.01 | $193.32 | $16.11 | $3900.00 | $325.00 | $0.00 | $2238.79 |  | Yes | XXXX | NJ | $325.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.004 | 1.004 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1103812.50 | 493 | 1202070.78 | 536.9 | No | 69.33 | No | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2131403 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.000% | 7.000% | XXX | No |  | $4572.12 | $381.01 | $193.32 | $16.11 | $3900.00 | $325.00 | $0.00 | $2253.37 |  | Yes | XXXX | NJ | $325.00 | XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.005 | 1.005 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1101508.95 | 488.8 | 1202114.52 | 533.5 | No | 70 | No | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2131407 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.000% | 7.000% | XXX | Yes | 23.990% | $4572.12 | $381.01 | $193.32 | $16.11 | $3900.00 | $325.00 | $0.00 | $2265.04 |  | Yes | XXXX | NJ | $325.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.005 | 1.005 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1100243.02 | 485.7 | 1202149.53 | 530.7 | No | 63.43 | No | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2131404 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.000% | 7.000% | XXX | Yes | 23.990% | $4572.12 | $381.01 | $193.32 | $16.11 | $3900.00 | $325.00 | $0.00 | $2253.37 |  | Yes | XXXX | NJ | $325.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.005 | 1.005 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1101506.73 | 488.8 | 1202114.52 | 533.5 | No | 70 | No | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2131397 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.000% | 7.000% | XXX | Yes | 23.990% | $4572.12 | $381.01 | $193.32 | $16.11 | $3900.00 | $325.00 | $0.00 | $2297.12 |  | Yes | XXXX | NJ | $325.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale,Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.007 | 1.007 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1095007.58 | 476.7 | 1202245.77 | 523.4 | No | 64.75 | No | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2131412 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.500% | 6.500% | XXX | No |  | $6369.24 | $530.77 | $1548.96 | $129.08 | $0.00 | $0.00 | $0.00 | $2687.04 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.042 | 1.042 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Passport |  | N/A | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 95967.24 | 35.7 | 95967.24 | 35.7 | No | 61.86 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2131411 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.000% | 7.000% | XXX | Yes | 10.000% | $11677.20 | $973.10 | $2424.36 | $202.03 | $0.00 | $0.00 | $0.00 | $4717.87 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.378 | 1.378 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 163913.84 | 34.7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2128028 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | XXX | Yes | 18.000% | $2245.68 | $187.14 | $3361.92 | $280.16 | $0.00 | $0.00 | $0.00 | $1343.08 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.061 | 1.061 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 209973.55 | 156.3 | 338555.56 | 252.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2131408 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | XXX | Yes | 23.990% | $7093.68 | $591.14 | $1685.04 | $140.42 | $0.00 | $0.00 | $0.00 | $4597.02 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.142 | 1.196 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 5943.62 | 1.3 | 33751.76 | 7.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2133241 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 10555.28 | XXXX | 6.190% | Manual Underwriting | Manual Underwriting | No | 7.124% |  | 7.000% | 7.000% | XXX | No |  | $9391.08 | $782.59 | $1866.96 | $155.58 | $750.00 | $62.50 | $0.00 | $3209.54 | $5752.46 | N/A | XXXX | TX | $62.50 | XXXX | Annually | 39.76% | 39.76% | 39.76% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - ["2025"] - 2025 | Borrower - Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 773 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 98867.59 | 30.8 | 98867.59 | 30.8 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2133245 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | XXX | No |  | $5303.64 | $441.97 | $1844.04 | $153.67 | $0.00 | $0.00 | $0.00 | $1645.47 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.215 | 1.215 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 683 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 19868.46 | 12.1 | 19868.46 | 12.1 | No | 80 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2133248 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 7812.92 | XXXX | 6.170% | Manual Underwriting | Manual Underwriting | No | 6.826% |  | 6.625% | 6.625% | XXX | No |  | $11579.04 | $964.92 | $1363.44 | $113.62 | $1548.00 | $129.00 | $0.00 | $4255.42 | $26206.20 | N/A | XXXX | TX | $129.00 | XXXX | Monthly | 22.62% | 22.62% | 22.62% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 30023.57 | 7.1 | 30023.57 | 7.1 | No | 80 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2133242 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 28755 | XXXX | 6.170% | Manual Underwriting | Manual Underwriting | No | 6.955% |  | 6.750% | 6.750% | XXX | No |  | $15615.48 | $1301.29 | $14492.04 | $1207.67 | $0.00 | $0.00 | $0.00 | $12237.93 | $26043.56 | N/A | XXXX |  | $0.00 | XXXX |  | 35.03% | 35.03% | 35.03% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Other - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 684 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 406387.00 | 33.2 | 406387.00 | 33.2 | No | 46.21 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2133250 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 10308 | XXXX | 6.190% | Manual Underwriting | Manual Underwriting | No | 7.196% |  | 7.125% | 7.125% | XXX | No |  | $5840.64 | $486.72 | $1114.68 | $92.89 | $999.96 | $83.33 | $0.00 | $3322.78 | $5550.14 | N/A | XXXX | OR | $83.33 | XXXX | Annually | 43.85% | 43.85% | 43.85% | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 100.00% |  | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | OR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OR | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OR | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 248583.52 | 74.8 | 248583.52 | 74.8 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2133238 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 500 | XXXX | 6.170% | Manual Underwriting | Manual Underwriting | No | 7.285% |  | 7.250% | 7.250% | XXX | No |  | $3696.60 | $308.05 | $1100.04 | $91.67 | $635.04 | $52.92 | $0.00 | $2144.44 | $9527.52 | N/A | XXXX | TX | $52.92 | XXXX | Annually | 32.55% | 32.55% | 32.55% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - Personal Bank Statements Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 716 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 80017.32 | 37.3 | 80017.32 | 37.3 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2128026 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.000% | 7.000% | XXX | Yes | 23.990% | $2021.28 | $168.44 | $798.00 | $66.50 | $0.00 | $0.00 | $0.00 | $1119.79 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.549 | 1.549 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 727 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 26268.08 | 23.5 | 26268.08 | 23.5 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2133246 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 9501.83 | XXXX | 6.170% | Manual Underwriting | Manual Underwriting | No | 6.663% |  | 6.500% | 6.500% | XXX | No |  | $14378.28 | $1198.19 | $1935.96 | $161.33 | $0.00 | $0.00 | $0.00 | $5189.85 | $10429.67 | N/A | XXXX |  | $0.00 | XXXX |  | 33.96% | 33.96% | 33.96% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | WA | United States of America (USA) | XXXX | XXXX | XXXX | I-151 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 34639.59 | 6.7 | 34639.59 | 6.7 | No | 32.32 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2133239 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 2235 | XXXX | 6.250% | Manual Underwriting | Manual Underwriting | No | 6.844% |  | 6.750% | 6.750% | XXX | No |  | $8649.24 | $720.77 | $2118.24 | $176.52 | $3360.00 | $280.00 | $0.00 | $4550.00 | $5834.00 | N/A | XXXX | CA | $280.00 | XXXX | Monthly | 47.91% | 47.72% | 47.72% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 98.81% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 156033.86 | 34.3 | 136533.86 | 30 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2131410 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | XXX | Yes | 23.990% | $18778.44 | $1564.87 | $3200.04 | $266.67 | $0.00 | $0.00 | $0.00 | $5815.92 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.032 | 1.032 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 759 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 11140.05 | 1.9 | 152188.48 | 26.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2133230 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | XXX | No |  | $23688.84 | $1974.07 | $5593.08 | $466.09 | $0.00 | $0.00 | $0.00 | $8558.29 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.309 | 1.309 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 666 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 199205.64 | 23.3 | No | 19.71 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2133186 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.750% | 7.750% | XXX | Yes | 23.990% | $11034.72 | $919.56 | $2774.28 | $231.19 | $0.00 | $0.00 | $0.00 | $4460.57 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.211 | 1.211 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 697 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 16879.93 | 3.8 | 248517.70 | 55.7 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2131409 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 6.875% | 6.875% | XXX | No |  | $6919.92 | $576.66 | $1331.28 | $110.94 | $0.00 | $0.00 | $0.00 | $2191.51 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.369 | 1.369 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 14907.39 | 6.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2133263 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 12486 | XXXX | 6.190% | Manual Underwriting | Manual Underwriting | No | 7.056% |  | 6.750% | 6.750% | XXX | No |  | $11765.88 | $980.49 | $8553.96 | $712.83 | $0.00 | $0.00 | $0.00 | $5082.25 | $39757.10 | N/A | XXXX |  | $0.00 | XXXX |  | 5.68% | 0.00% | 0.00% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Utilization (No DTI) | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 84 | Yes | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Asset Depletion - 3 YRS Executed 4506T Verified - ["2025"] - 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | LA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 793 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | LA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1764044.90 | 347.1 | 1764044.90 | 347.1 | No | 55 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2133255 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | XXXX | 6.190% | Manual Underwriting | Manual Underwriting | No | 7.340% |  | 7.125% | 7.125% | XXX | No |  | $4391.40 | $365.95 | $2354.16 | $196.18 | $0.00 | $0.00 | $0.00 | $3568.60 | $6375.10 | N/A | XXXX |  | $0.00 | XXXX |  | 43.47% | 43.47% | 43.47% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 1 YR Executed 4506T Verified, Personal Bank Statements Verified - ["2025"] - 2025 | Borrower - 1 YR Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | WI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 730 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | WI | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 25558.33 | 7.2 | 62846.25 | 17.6 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2133247 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 2090 | XXXX | 6.190% | Manual Underwriting | Manual Underwriting | No | 6.886% |  | 6.750% | 6.750% | XXX | No |  | $4570.56 | $380.88 | $1470.96 | $122.58 | $0.00 | $0.00 | $0.00 | $1875.24 | $2742.60 | N/A | XXXX |  | $0.00 | XXXX |  | 44.60% | 44.60% | 44.60% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | MI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 792 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | MI | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 16118.57 | 8.6 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2133259 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | XXXX | 6.250% | Manual Underwriting | Manual Underwriting | No | 7.883% |  | 7.750% | 7.500% | XXX | No |  | $9040.44 | $753.37 | $1194.00 | $99.50 | $0.00 | $0.00 | $0.00 | $2674.12 | $53325.63 | N/A | XXXX |  | $0.00 | XXXX |  | 13.27% | 12.46% | 13.27% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 708 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 5852.76 | 2.2 | 109109.60 | 40.8 | No | 59.62 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2133185 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.500% | 7.500% | XXX | Yes | 23.990% | $7618.32 | $634.86 | $2499.96 | $208.33 | $0.00 | $0.00 | $0.00 | $3686.94 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale,Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.31 | 1.31 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 759 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 104286.55 | 28.3 | 198006.52 | 53.7 | No | 66.91 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2133184 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.500% | 7.500% | XXX | Yes | 23.990% | $6823.44 | $568.62 | $2499.96 | $208.33 | $0.00 | $0.00 | $0.00 | $3519.14 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale,Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.298 | 1.298 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 759 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 164452.05 | 46.7 | 197370.64 | 56.1 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2133183 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.375% | 7.375% | XXX | Yes | 23.990% | $6823.44 | $568.62 | $2499.96 | $208.33 | $0.00 | $0.00 | $0.00 | $3266.01 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale,Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.043 | 1.043 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 759 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 145467.56 | 44.5 | 196611.25 | 60.2 | No | 59.56 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2133187 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 6.875% | 6.875% | XXX | Yes | 23.990% | $2072.04 | $172.67 | $668.16 | $55.68 | $0.00 | $0.00 | $0.00 | $878.71 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.764 | 1.752 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | PA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 161095.07 | 183.3 | 161275.55 | 183.5 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 2133314 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 26942.29 | XXXX | 6.060% | Manual Underwriting | Manual Underwriting | No | 6.673% |  | 6.375% | 6.375% | XXX | No |  | $3476.40 | $289.70 | $3763.32 | $313.61 | $1176.00 | $98.00 | $0.00 | $7118.69 | $11287.85 | N/A | XXXX | AZ | $98.00 | XXXX | Monthly | 49.59% | 49.59% | 49.59% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | Asset Utilization (DTI) | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 60 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Asset Depletion, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - ["2025"] - 2025 \|\| Co Borrower - Asset Depletion - ["2025"] - 2025 | Borrower - ["2025"] - 2025 \|\| Co Borrower - ["2025"] - 2025 | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 698 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1423122.24 | 199.9 | 1423122.24 | 199.9 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |

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## Exhibit 99.11

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.11 - Schedule 6**

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** | **Primary Appraisal Occupancy** |
| 2133234 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2800 | 2575 | Appraisal - 1007 |  |  |  |  | 2575 | Appraisal - 1007 | No | 93.87 | 1.065 | 1.065 | 2417.16 | 2800 | 02-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 109800 |  | XXX |  | 2575 |  |  |  |  |  |  | No | No | 1.1 | 1 | 1 | N/A | 79.63 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| 2124098 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2300 | 2200 | Appraisal - 1007 |  | N/A |  |  | 2200 | Appraisal - 1007 | No | 73.51 | 1.02 | 1.36 | 1617.21 | 2300 | 06-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 26400 |  | XXX | 0 | 2200 |  |  |  |  |  |  | No | No | 3 | 1 | 1 | N/A | 52.8 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2124103 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 1150 | Appraisal - 1007 |  | N/A |  |  | 1150 | Appraisal - 1007 | No | 95.65 | 1.045 | 1.045 | 1100.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 27700 |  |  |  | 1150 |  |  |  |  |  |  | No | No | 5 | 1 | 1 | N/A | 287.93 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 2124102 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 2550 | Appraisal - 1007 |  | N/A |  |  | 2550 | Appraisal - 1007 | No | 96.7 | 1.034 | 1.034 | 2465.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 10000 |  |  |  | 2550 |  |  |  |  |  |  | No | No |  | 1 | 1 | N/A | 7.47 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Owner |
| 2124104 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1300 | 1375 | Appraisal - 1007 |  | N/A |  |  | 1300 | Actual In Place Rent | No | 69.19 | 1.445 | 1.445 | 899.45 | 1300 | 06-14-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 10000 |  | XXX |  | 1300 |  |  |  |  |  |  | No | No | 1.4 | 1 | 1 | N/A | 110.88 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2124099 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1100 | 1100 | Appraisal - 1007 |  | N/A |  |  | 1100 | Appraisal - 1007 | No | 57.34 | 1.744 | 1.744 | 630.73 | 1100 | 08-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 11996 |  | XXX |  | 1100 |  |  |  |  |  |  | No | No | 1.4 | 3 | 1 | N/A | 53.66 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2124105 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3500 | 2600 | Appraisal - 1007 |  | N/A |  |  | 2600 | Appraisal - 1007 | No | 98.94 | 1.011 | 1.011 | 2572.36 | 3500 | 11-16-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 26800 |  |  |  | 2600 |  |  |  |  |  |  | No | No | 5.3 | 2 | 1 | N/A | 230.95 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2124106 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4500 | 3900 | Appraisal - 1007 |  | N/A |  |  | 3900 | Appraisal - 1007 | No | 99.34 | 1.007 | 1.007 | 3874.11 | 4500 | 09-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 72700 |  | XXX | 0 | 3900 |  |  |  |  |  |  | No | No | 0.6 | 2 | 1 | N/A | 154.84 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2124100 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1300 | 1300 | Appraisal - 1007 |  | N/A |  |  | 1300 | Appraisal - 1007 | No | 52.37 | 1.909 | 1.909 | 680.82 | 1300 | 08-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12006 |  | XXX |  | 1300 |  |  |  |  |  |  | No | No | 1.4 | 3 | 1 | N/A | 50.18 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2124097 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 3200 | Appraisal - 1007 |  | N/A |  |  | 3200 | Appraisal - 1007 | No | 98.29 | 1.017 | 1.017 | 3145.39 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 72200 |  |  |  | 3200 |  |  |  |  |  |  | No | No | 8.3 | 1 | 1 | N/A | 24.17 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 | Full Recourse | XXXX | Owner |
| 2131393 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1800 | 2500 | Appraisal - 1025 |  | N/A |  |  | 1800 | Actual In Place Rent | No | 64.23 | 1.557 | 1.557 | 1156.15 | 900 | 11-30-2026 | 12 | 900 | 11-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 51580 |  | XXX |  | 1800 |  |  |  |  |  |  | No | No | 2.9 | 1 | 1 | N/A | 23.47 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 2128027 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 2700 | Appraisal - 1025 |  | N/A |  |  | 2700 | Appraisal - 1025 | No | 97.91 | 1.021 | 1.021 | 2643.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 44500 |  |  |  | 2700 |  |  |  |  |  |  | No | No | 6.6 | 1 | 1 | N/A | 2219.71 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2133262 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 3400 | Appraisal - 1007 |  |  |  |  | 3400 | Appraisal - 1007 | No | 99.85 | 1.053 | 1.001 | 3395.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 118810 |  | XXX |  | 3400 |  |  |  |  |  |  | No | No | 2.6 | 1 | 1 | N/A | 3.63 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Vacant |
| 2133231 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 10750 | Appraisal - 1007 |  |  |  |  | 10750 | Appraisal - 1007 | No | 77.4 | 1.26 | 1.292 | 8320.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 37000 |  | XXX |  | 10750 |  |  |  |  |  |  | No | No | 12.2 | 1 | 1 | N/A | 4.29 | Yes | XXXX | Limited Partnership | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 | Full Recourse | XXXX | Tenant |
| 2133251 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3200 | 2900 | Appraisal - 1007 |  |  |  |  | 2900 | Appraisal - 1007 | No | 81.15 | 1.232 | 1.232 | 2353.27 | 3200 | 06-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 22500 |  | XXX |  | 2900 |  |  |  |  |  |  | No | No | 1.2 | 1 | 1 | N/A | 47.23 | No | XXXX |  | Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX | Tenant |
| 2125847 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 5125 | 6750 | Appraisal - 1025 |  | N/A |  |  | 5125 | Actual In Place Rent | No | 59.07 | 1.693 | 1.693 | 3027.42 | 1200 | 10-14-2026 | 12 | 1100 | 07-31-2026 | 12 | 1300 | 06-30-2026 | 12 | 1525 | 09-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  | Yes | 99760 |  | XXX | 0 | 5125 |  |  |  |  |  |  | No | No | 0.1 | 1 | 1 | N/A | 220.49 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2133240 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 3360 | Appraisal - 1007 |  | N/A |  |  | 3360 | Appraisal - 1007 | No | 99.8 | 1.071 | 1.002 | 3353.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 29000 | 0 | XXX | 0 | 3360 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 4.6 | 1 | 1 | N/A | 84.33 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 2133249 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3200 | 3350 | Appraisal - 1025 |  | N/A |  |  | 3350 | Appraisal - 1025 | No | 78.22 | 1.267 | 1.278 | 2620.37 | 1600 | 02-28-2025 | 12 | 1600 | 02-28-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX |  | 3350 |  |  |  |  |  |  | No | No | 10.4 | 1 | 1 | N/A | 124.23 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| 2131400 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2240.4 | 2900 | Appraisal - 1007 |  | N/A |  |  | 2240.4 | Actual In Place Rent | No | 99.54 | 1.005 | 1.005 | 2230.04 | 2240.4 | 08-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 192000 |  |  |  | 2240.4 |  |  |  |  |  |  | No | No | 1.2 | 10 | 1 | N/A | 536.63 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2131405 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2265.6 | 2900 | Appraisal - 1007 |  | N/A |  |  | 2265.6 | Actual In Place Rent | No | 99.46 | 1.005 | 1.005 | 2253.37 | 2265.6 | 07-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 192000 |  |  |  | 2265.6 |  |  |  |  |  |  | No | No | 1.2 | 10 | 1 | N/A | 533.47 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2131398 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2221.2 | 2900 | Appraisal - 1007 |  | N/A |  |  | 2221.2 | Actual In Place Rent | No | 99.48 | 1.005 | 1.005 | 2209.62 | 2221.2 | 11-01-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 192000 |  | XXX | 0 | 2221.2 |  |  |  |  |  |  | No | No | 1.2 | 10 | 1 | N/A | 543.98 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2131399 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2220 | 2900 | Appraisal - 1007 |  | N/A |  |  | 2220 | Actual In Place Rent | No | 99.53 | 1.005 | 1.005 | 2209.62 | 2220 | 03-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 192000 |  | XXX | 0 | 2220 |  |  |  |  |  |  | No | No | 1.2 | 10 | 1 | N/A | 543.98 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2131401 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2250 | 2600 | Appraisal - 1007 |  | N/A |  |  | 2250 | Actual In Place Rent | No | 99.5 | 1.005 | 1.005 | 2238.79 | 2250 | 06-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 192000 |  |  |  | 2250 |  |  |  |  |  |  | No | No | 1.2 | 10 | 1 | N/A | 536.93 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2131402 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2248.8 | 2900 | Appraisal - 1007 |  | N/A |  |  | 2248.8 | Actual In Place Rent | No | 99.55 | 1.004 | 1.004 | 2238.79 | 2248.8 | 03-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 192000 |  |  |  | 2248.8 |  |  |  |  |  |  | No | No | 1.2 | 10 | 1 | N/A | 536.93 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2131403 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2265.6 | 2900 | Appraisal - 1007 |  | N/A |  |  | 2265.6 | Actual In Place Rent | No | 99.46 | 1.005 | 1.005 | 2253.37 | 2265.6 | 03-01-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 192000 |  |  | 0 | 2265.6 |  |  |  |  |  |  | No | No | 1.2 | 10 | 1 | N/A | 533.47 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2131407 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2276.4 | 2900 | Appraisal - 1007 |  | N/A |  |  | 2276.4 | Actual In Place Rent | No | 99.5 | 1.005 | 1.005 | 2265.04 | 2276.4 | 08-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 192000 |  | XXX |  | 2276.4 |  |  |  |  |  |  | No | No | 1.2 | 10 | 1 | N/A | 530.74 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2131404 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2264.4 | 2900 | Appraisal - 1007 |  | N/A |  |  | 2264.4 | Actual In Place Rent | No | 99.51 | 1.005 | 1.005 | 2253.37 | 2264.4 | 03-01-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 192000 |  |  |  | 2264.4 |  |  |  |  |  |  | No | No | 1.2 | 10 | 1 | N/A | 533.47 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2131397 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2312.4 | 2900 | Appraisal - 1007 |  | N/A |  |  | 2312.4 | Actual In Place Rent | No | 99.34 | 1.007 | 1.007 | 2297.12 | 2312.4 | 03-01-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 192000 |  |  |  | 2312.4 |  |  |  |  |  |  | No | No | 1.2 | 10 | 1 | N/A | 523.37 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2131412 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 2800 | Appraisal - 1007 |  | N/A |  |  | 2800 | Appraisal - 1007 | No | 95.97 | 1.042 | 1.042 | 2687.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 42000 |  |  | 0 | 2800 |  |  |  |  |  |  | No | No | 0.8 | 1 | 1 | N/A | 35.71 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 2131411 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 6502 | 6800 | Appraisal - 1025 |  | N/A |  |  | 6502 | Actual In Place Rent | No | 72.56 | 1.378 | 1.378 | 4717.87 | 1302 | 02-28-2026 | 12 | 1750 | 08-01-2026 | 12 | 1650 | 12-01-2026 | 12 | 1800 | 08-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  | Yes | 61400 |  | XXX |  | 6502 |  |  |  |  |  |  | No | No | 1.6 | 1 | 1 | N/A | 34.74 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2128028 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1470 | 1425 | Appraisal - 1007 |  |  |  |  | 1425 | Appraisal - 1007 | No | 94.25 | 1.061 | 1.061 | 1343.08 | 1470 | 09-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 15000 |  |  |  | 1425 |  |  |  |  |  |  | No | No | 6.5 | 1 | 1 | N/A | 252.07 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 | Full Recourse | XXXX | Tenant |
| 2131408 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 5250 | 5800 | Appraisal - 1025 |  | N/A |  |  | 5250 | Actual In Place Rent | No | 87.56 | 1.196 | 1.142 | 4597.02 | 3250 | 05-25-2026 | 12 | 2000 | 06-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 47400 |  |  |  | 5250 |  |  |  |  |  |  | No | No | 5.1 | 1 | 1 | N/A | 7.34 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2133245 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2000 | Appraisal - 1025 |  | N/A |  |  | 2000 | Appraisal - 1025 | No | 82.27 | 1.215 | 1.215 | 1645.47 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX |  | 2000 |  |  |  |  |  |  | No | No | 2.2 | 1 | 1 | N/A | 12.07 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| 2128026 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 1735 | Appraisal - 1007 |  | N/A |  |  | 1735 | Appraisal - 1007 | No | 64.54 | 1.549 | 1.549 | 1119.79 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 27000 |  | XXX |  | 1735 |  |  |  |  |  |  | No | No | 0.5 | 1 | 1 | N/A | 23.46 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 2131410 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 6000 | Appraisal - 1025 |  | N/A |  |  | 6000 | Appraisal - 1025 | No | 96.93 | 1.032 | 1.032 | 5815.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 38000 |  | XXX |  | 6000 |  |  |  |  |  |  | No | No | 6.7 | 1 | 1 | N/A | 26.17 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 2133230 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 14000 | Appraisal - 1007 | 11200 | Other | 5 |  | 11200 | Other | Yes | 76.41 | 1.309 | 1.309 | 8558.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 70000 |  |  |  | 11200 |  |  |  |  |  |  | No | No | 1.8 | 1 | 1 | N/A | 23.28 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| 2133186 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 5400 | 5400 | Appraisal - 1025 |  | N/A |  |  | 5400 | Appraisal - 1025 | No | 82.6 | 1.211 | 1.211 | 4460.57 | 2700 | 06-30-2026 | 12 | 2700 | 08-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 |  |  |  | 5400 |  |  |  |  |  |  | No | No | 4.6 | 1 | 1 | N/A | 55.71 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2131409 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3050 | 3000 | Appraisal - 1007 |  | N/A |  |  | 3000 | Appraisal - 1007 | No | 73.05 | 1.369 | 1.369 | 2191.51 | 3050 | 12-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 27200 |  |  | 0 | 3000 |  |  |  |  |  |  | No | No | 3.4 | 2 | 1 | N/A | 6.8 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2133185 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4831 | 5200 | Appraisal - 1025 |  | N/A |  |  | 4831 | Actual In Place Rent | No | 76.32 | 1.31 | 1.31 | 3686.94 | 2431 | 04-01-2026 | 1 | 2400 | 04-01-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 |  |  |  | 4831 |  |  |  |  |  |  | No | No | 7.4 | 3 | 1 | N/A | 53.7 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2133184 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4568 | 5300 | Appraisal - 1025 |  | N/A |  |  | 4568 | Actual In Place Rent | No | 77.04 | 1.298 | 1.298 | 3519.14 | 1968 | 04-01-2026 | 1 | 2600 | 06-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 |  |  |  | 4568 |  |  |  |  |  |  | No | No | 3.1 | 3 | 1 | N/A | 56.09 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2133183 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3407 | 5200 | Appraisal - 1025 |  | N/A |  |  | 3407 | Actual In Place Rent | No | 95.86 | 1.043 | 1.043 | 3266.01 | 2066 | 05-31-2026 | 12 | 1341 | 04-01-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 |  |  |  | 3407 |  |  |  |  |  |  | No | No | 7.4 | 3 | 1 | N/A | 60.2 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2133187 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2400 | 1550 | Appraisal - 1007 |  | N/A |  |  | 1550 | Appraisal - 1007 | No | 56.69 | 1.752 | 1.764 | 878.71 | 2400 | 02-15-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 14400 |  | XXX |  | 1550 |  |  |  |  |  |  | No | No | 2.8 | 1 | 1 | N/A | 183.54 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |

---

## Exhibit 99.11

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.11 - Schedule 7**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 2115813 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2115813 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2115813 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2115813 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2109831 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2109831 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2122554 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2122554 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2127958 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| 2127958 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2126841 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2126841 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2126841 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2126841 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2126841 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2126841 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2122616 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2122616 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2122616 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2122609 |  |  | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2122609 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2122609 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2122587 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2122587 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2122587 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2122587 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2122559 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2122559 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2126854 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2122588 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2122588 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2122588 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2122588 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2122588 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2122592 |  |  | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 2122592 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2122592 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2122592 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2122592 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2122592 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2122592 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2129768 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2129768 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2129768 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2129768 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2129768 |  |  | XXXX | XXXX | finalCdDetailPage | XXXX | XXXX | XXXX |
| 2114448 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2133234 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2122600 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2122600 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2122605 |  |  | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 2122605 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2122605 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2122605 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2122605 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2122557 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2122570 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2122570 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2122563 |  |  | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2122563 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2122563 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2122563 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2122555 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2122566 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2122580 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2122580 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2126851 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2126851 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2122590 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2122590 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2122573 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2122573 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2122583 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2122583 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2122583 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2122571 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2122571 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2122571 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2122565 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2122565 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2122565 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2122565 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2122565 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2122553 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2122553 |  |  | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2122553 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2122553 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2122553 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2122553 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2122576 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2122597 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2122597 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2122575 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2122575 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2122575 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2122611 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2122611 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2129769 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2129769 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2129769 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2129769 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2129769 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2129769 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2129769 |  |  | XXXX | XXXX | finalCdDetailPage | XXXX | XXXX | XXXX |
| 2126852 |  |  | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2126852 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2126852 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2122604 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2133264 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2133264 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2133264 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2122560 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2122560 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2122560 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2126855 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2122572 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2122572 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2122572 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2122572 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2124098 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2124098 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2124098 |  |  | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2124098 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2124098 |  |  | XXXX | XXXX | businessPurposePage | XXXX | XXXX | XXXX |
| 2124098 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2126842 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2126842 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2126842 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2126842 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2126843 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2126843 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2126843 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2122596 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2124103 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2124103 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2126846 |  |  | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 2126846 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2126846 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2122569 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2122569 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2126845 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2126845 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2126844 |  |  | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 2126844 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2126844 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2126844 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2126844 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2126844 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2126849 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2126849 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2126849 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2126849 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2126849 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2126849 |  |  | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 2124102 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2124102 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2124102 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2124102 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2124104 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2124104 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2124099 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2124099 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2124105 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2124105 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2124106 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2124106 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2124100 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2126850 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2126850 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2126850 |  |  | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 2126850 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2123468 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2123468 |  |  | XXXX | XXXX | disclosuresPage | XXXX | XXXX | XXXX |
| 2124097 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2124097 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2131393 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2129776 |  |  | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 2129795 |  |  | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2129795 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2129795 |  |  | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 2133235 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2133235 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2133235 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2133235 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2133235 |  |  | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 2129787 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2129787 |  |  | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 2129789 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2129789 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2129789 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2129789 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2129788 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2129788 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2129788 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2129788 |  |  | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 2129792 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2129792 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2129792 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2129792 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2133258 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2133258 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2133258 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2133258 |  |  | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 2128027 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2133262 |  |  | XXXX | XXXX | 1003OcrPage | XXXX | XXXX | XXXX |
| 2133262 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2133262 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2133262 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2133262 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2133262 |  |  | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 2133262 |  |  | XXXX | XXXX | fraudReportPage | XXXX | XXXX | XXXX |
| 2133262 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2133253 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2133253 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2133253 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2133253 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2133253 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2133253 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2129773 |  |  | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
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---

## Exhibit 99.10

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.10**

![](ex9910001.jpg)

EFMT 2026-NQM4 Ellington Management Group, LLC <br>

Opus Capital Markets Consultants, LLC <br>

&nbsp;&nbsp;5718 Westheimer Road, Suite 1000 \| Houston, TX 77057 \| <u>www.opuscmc.com</u> \| 224.632.1300<br>

**Executive Narrative**

**March 12, 2026**

**Performed by** 

**Opus Capital Markets Consultants, LLC**

**For** 

**Ellington Management Group, LLC**

The report summarizes the results of a due diligence review performed on a pool of fifty-one (51) loans, of which were purchased by Ellington Management Group, LLC ("Customer") from an originator (the "Originator") who are a clients of Opus Capital Markets Consultants, LLC ("Consultant") under a reliance letter, and for which the Originator provided Consultant with a data tape, from which, in each case, 100% of the loan population was chosen and loaded into the LauraMac underwriting software. Consultant performed a detailed credit review of all loans.

As detailed herein, the pool contains thirty (30) ATR/QM Exempt loans, of which twenty-three (23) are DSCR loans and seven (7) are Business Purpose loans, and twenty-one (21) NQM loans that were re-underwritten in accordance with the lender guidelines in terms of Exhibit A.

<u>EXHIBIT A</u>

**Credit Review**

**Credit Qualification**

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review will consist of the following:

&nbsp;&nbsp;&nbsp;&nbsp;a) **Guidelines:** Determine whether each mortgage loan meets the requisite guideline requirements as
 specified by the Client. In lieu of specific requirements, Consultant should consider
 Regulation Z including Appendix Q if applicable. If the loan pre-dates the requirements
 of Regulation Z and Appendix Q, Consultant will consider Fannie Mae's Single-Family
 guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;b) **Employment:** Review the file documentation for minimum required level of employment, income and
 asset verifications pursuant to Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;c) **Income:** Recalculate borrower(s) monthly gross income and verify calculations of income as
 used by the original loan underwriter at origination to determine compliance with the
 Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;d) **Assets:** Confirm the presence of adequate asset documentation to comply with the Client provided
 underwriting guideline requirements for closing funds, reserves and borrower liquidity.

&nbsp;&nbsp;&nbsp;&nbsp;e) **Debt Ratio:** Recalculate the debt-to-income ratio and verify the ratio accuracy used by
 the loan underwriter at origination to determine compliance with Client provided underwriting
 guidelines and regulatory requirements.

&nbsp;&nbsp;&nbsp;&nbsp;f) **Property Valuation:** Analyze all appraisals and alternative value tools used to qualify the
 loan for integrity of comparable sales, completeness of data, eligibility of the appraiser
 and reasonableness of estimated value. Review the appraisal to determine the appraisal(s)
 meet the requirements of Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;g) **Loan-to-Value Ratio:** Recalculate and verify the loan-to-value ratio and combined loan-to-value
 ratio were accurate at origination and meet Client provided underwriting guideline and
 regulatory requirements.

&nbsp;&nbsp;&nbsp;&nbsp;h) **Credit History:** Review the credit report to verify that the borrower(s) demonstrate adequate
 credit depth to comply with the Client provided underwriting guideline requirements.

&nbsp;&nbsp;&nbsp;&nbsp;i) **Credit Scores**: Verify that borrower(s) meet minimum credit score requirements of the Client
 provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;j) **Compensating Factors:** Verify exceptions to the Client provided underwriting guidelines are documented
 and reasonable.

**Document Review**

**Document Review**

A review of each loan file will be performed to confirm the presence of material documentation as applicable to the specifics of the loan transaction. The Document Review will consist of the following:

**a) Collateral Docs**

● 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.

● 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.

● 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.

● Conveyance Deed: Verify as applicable that a proper conveyance deed is present in the loan file. Confirm the proper transfer of ownership interest of the subject parties is detailed on the deed.

**b) Closing Docs**

● 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.

● 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.

● 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.

● Loan Estimate: If required verify the presence of the current Loan Estimate (LE) at the time of origination

● Closing Disclosure: If required verify the presence of the current Closing Disclosure (CD) at the time of origination.

**c) Credit Docs**

● Loan Application: Verify the presence and completeness of both the initial and final loan applications.

● Underwriting Worksheet: Verify the presence of the relative underwriting worksheet i.e. form 1008, FHA MCAW and VA's Loan Analysis.

● 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.

● 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.

● 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.

● 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.

● 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.

● Asset Documentation: Verify the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

● 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.

● Proof of Insurance: Verify the presence of insurance certificates for mortgage, hazard and flood insurance on an as needed basis depending upon the specifics of the loan. Confirm that adequate coverage is present to meet the requirements of the Client provided underwriting guidelines.

**Regulatory Compliance**

For each Mortgage Loan, Consultant shall determine, to the extent possible and subject to caveats below, whether such Mortgage Loan at the time of origination complied with:

1. The
 "material"<sup>1</sup> disclosure requirements of the federal Truth-in-Lending
 Act ("TILA"), as amended by the Home Ownership and Equity Protection Act
 ("HOEPA") and Dodd-Frank, 15 U.S.C. § 1601 *et seq.* and implemented
 by Regulation Z, 12 C.F.R. Part 1026, including the material provisions relating to Higher-Priced
 Mortgage Loans in Regulation Z, 12 C.F.R. §§ 1026.35, and the early TIL disclosure
 provisions of the Mortgage Disclosure Improvement Act ("MDIA"), as implemented
 by Regulation Z, 12 C.F.R. §§ 1026.17 et seq; and as amended by the TILA-RESPA
 Integrated Disclosure ("TRID") Rule, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. For
 Right of Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A
 review of the Notice of Right to Cancel, including a verification of the transaction
 date and expiration date, ensuring proper execution of the Notice of Right to Cancel
 by all required parties, verifying the disbursement date and determining if a full three
 (3) day rescission period was adequately provided to the borrower(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. This
 review is also to be performed on transactions that are exempt from the rescission requirement
 but on which a Notice of Right to Cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. A
 condition must be placed if the transaction is a refinance by the original creditor and
 the borrower was provided the Form H-8 rescission notice. Consultant will note in the
 condition whether there was a new advance that is subject to rescission per TILA/Regulation
 Z.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For
 TILs (Application Dates prior to 10/3/2015)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 the initial TIL disclosure and final TIL disclosures were provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review
and compare the initial and final TIL, and any re-disclosed TIL(s), with a report outlining any TILA violations, including
a recalculation of disclosed finance charge, proper execution by all required parties, principal and interest calculations,
proper completion of the interest rate and payment summary, recalculation of disclosed APR, and a review to determine
disclosure differences were within the allowed tolerances and disclosures were provided within the required timeframes;

<sup>1</sup> These "material" disclosures include, but are not limited to, the required disclosures of the APR, the finance charge, the amount financed, the total number of payments, the payment schedule, *and* if the loan is subject to the Homeownership and Equity Protection Act ("HOEPA"), the disclosure requirements and prohibitions of that statute which are set forth in 12 C.F.R. §§ 1026.32(c) and (d).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For
 TRID Disclosures (Application Dates on or after 10/3/2015)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
the initial Loan Estimate (LE) was delivered within three (3) business days of application and seven (7) business days prior
to consummation in accordance with Client's Underwriting Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review
the required sections of each LE to ensure they were populated in accordance with the TRID Rules. (If the file reflects more
than one LE was provided, each revised LE must have corresponding Change of Circumstance documentation. The 0% and 10% fee
 tolerance evaluations will be based on the fee amounts disclosed on the initial LE and any valid changes documented and
disclosed after the initial LE;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm
the Closing Disclosure (CD) confirm the borrower received the initial CD at least three (3) business days prior to consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Review
 the required sections of each CD to ensure they were populated in accordance with
 the TRID Rules. (Any fee tolerance issues to be cured at closing or within 60 days of
 loan consummation.)

2. Section
 4 of the Real Estate Settlement Procedures Act ("RESPA"), 12 U.S.C. §2603
 and 2604, as implemented by Regulation X, 12 C.F.R. Part 1024, and as amended by the
 TRID Rule;

3. The
 disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas
 Constitution;

4. Confirmation
 that one of the following are in the loan file, per the Fair Credit Reporting Act: Consumer
 Credit Score Disclosure, Your Credit Score and the Price You Pay for Credit, or Notice
 to Home Loan Applicant;

5. Sections
 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank")
 amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43: the general Ability
 to Repay underwriting standards (12 C.F.R. 1026.43(c)); refinancing of non-standard mortgages
 (12 C.F.R. 1026.43(d)); Qualified Mortgages (12 C.F.R. 1026.43(e) (including qualified
 mortgages as defined by the Department of Housing and Urban Development (24 C.F.R. 201
 and 203 et seq.) and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.; and
 Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f))
 In accordance with "Ability to Repay and Qualified Mortgage Review" description
 below;

6. The
 Loan Originator Compensation and Prohibitions on Steering provisions of TILA, as implemented
 by Regulation Z, 12 C.F.R 1026.36;

7. The
 requirements for Higher-Price Mortgage Loans, as implemented by Regulation Z, 12 C.F.R.
 1026.35;

8. The
 appraisal and valuation requirements of TILA and the Equal Credit Opportunity Act, as
 implemented by Regulation Z, 12 C.F.R. 1026.35 and Regulation B, 12 C.F.R. 1002.14, respectively;

9. The
 counseling requirements of TILA, as implemented by Regulation Z, 12 C.F.R. 1026.36(k)
 and RESPA, as implemented by Regulation X, 12 C.F.R. 1024.20;

10. The
 escrow requirements of TILA and RESPA, as implemented by Regulation Z, 12 C.F.R 1026.35,
 and Regulation X, 12 C.F.R 1024.17, respectively;

11. The
 disclosure requirements and prohibitions of any applicable state, county and municipal
 laws and ordinances, as amended, that have been enacted to regulate so-called "predatory
 lending":

12. Consultant
 shall confirm that any mortgage property located in an area identified on a flood hazard
 map or flood insurance rate map issued by the Federal Emergency Management Agency as
 having special flood hazards is subject to a qualified flood insurance policy that appears
 to be is in effect.

13. For
 any loans designated as TILA exemption, Consultant shall review the loan file for evidence
 that the primary purpose of the loan was for commercial or business purposes, including,
 but not limited to a business purpose certification.

14. Documentation.
 Review of the following documents for regulatory compliance:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Final
 HUD-1 Settlement Statement ("HUD-1"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 the loan is in an escrow state, the HUD-1 will be considered final as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. HUD-1
 is marked Final;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 HUD-1 is not marked Final, it must be stamped certified by the closing agent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. There
 should be no markings indicating that the HUD-1 is estimated.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. HUD-1
 is signed by all parties (including closing agent) or stamped certified by the closing
 agent; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. If
 HUD-1 is stamped, the HUD-1 / stamp should be signed or initialed by the closing agent;
 if the stamp does not contain the signature or initials, it must identify the name of
 the closing agent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Final
 Truth in Lending Disclosure ("TIL"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Loan
 Estimate, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 Loan Estimate in will be considered delivered based on the date issued, subject to the
 three-day mailing rule unless the file contains documentation indicating earlier receipt.
 The loan file may contain one or more Loan Estimates with the latest one provided up
 until three business days prior to the issuance of an initial Closing Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Closing
 Disclosure, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 Closing Disclosure in the loan file will be considered delivered based on the date issued,
 subject to the three-day mailing rule unless the file contains documentation indicating
 earlier receipt. The loan file may contain one or more Closing Disclosures with the latest
 one provided up until the consummation date being considered the Final with any delivered
 post consummation considered as a corrected Closing Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Notice
 of Right to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Initial
 TIL, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Good
 Faith Estimate ("GFE"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Mortgage/Deed
 of Trust

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. FACTA
 disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Third
 Party Fees

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Third
 party fees on the HUD-1 or Closing Disclosure if applicable referred to as HUD-1/Closing
 Disclosure, must be shown as paid to the third-party provider. A condition must be set
 if a third-party fee is paid to the lender, investor, etc. or the payee is blank.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. CONSULTANT
 will condition for evidence in the file indicating that a charge on the HUD-1/Closing
 Disclosure exceeds the actual cost to the borrower (i.e. cost printed / stamped on the
 face of the document showing an amount less than the charge on the HUD-1/Closing Disclosure).
 Variations of less than $1 are deemed to be within reasonable limits and are not to be
 reported.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Any
 refunds that are provided to the borrower must be accompanied by a revised HUD-1/Closing
 Disclosure to show the final, accurate charges to the borrower.

Each loan reviewed will be assigned a Compliance condition grade in accordance with the Rating Agency Criteria as more fully described in Section 2(f).

Consultant will not make a determination as to whether the loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consultant are dependent upon its receipt of complete and accurate data regarding the loans from loan originators and other third parties upon which Consultant is relying in reaching such findings.

**<u>Ability to Repay and Qualified Mortgage Review</u>**

1.  **<u>For Agency Eligible Loans Only</u>** : Consultant reviews applicable loans for compliance
 with the Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R.
 1026.43 et seq.) based upon the loan's designation (Safe Harbor QM, Rebuttable
 Presumption QM, Exempt). Consultant determines the loan's status under the QM rule
 requirements and assigns a due diligence loan designation. Consultant notes as a material
 exception if the due diligence findings do not confirm the same loan designation. Additionally,
 Consultant notes if a loan designation was not provided. Consultant will verify if each
 loan meets the requirements for a QM under § 1026.43(e)(2)—whether the loan
 is a safe harbor QM under § 1026.43(e)(1)(i) or a rebuttable presumption QM under
 § 1026.43(e)(1)(ii). Consultant will verify the presence of documentation for lender
 determination of QM and indicating factors in its ability-to-repay determination, including
 how the originator applied its policies and procedures in verification. For loans applications
 taken on or after June 1, 2021, Consultant will verify whether the loan meets the requirements
 of the revised general QM definition effective March 1, 2021.

2. For
 loans for which applications were received prior to July 1, 2021, if a loan was designated
 as QM and identified as eligible for guarantee, purchase, or insurance by an applicable
 agency as permitted under the QM final rule, Consultant reviews the loan to determine
 whether, based on available information in the loan file the loan satisfied (i), (ii)
 and (iii) in the paragraph (3)(a)(i) below and reviews the Automated Underwriting System
 output within the file to confirm agency eligibility.

3.  **<u>For Non-Agency Eligible Loans</u>** : Consultant reviews applicable loans for compliance
 with the Ability to Repay (ATR) but not Qualified Mortgage (QM) rule requirements set
 forth in Regulation Z (12 C.F.R. 1026.43 et seq.).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Qualified Mortgage</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. For
 QM (Safe Harbor or HPCT) designated loans, Consultant reviews the loan to determine whether,
 based on available information in the loan file: (i) the loan contains risky loan features
 and terms (e.g. an interest only feature or negative amortization), (ii) the "points
 and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated
 appropriately. Consultant reviews to the applicable consider and verify requirements
 under the QM rule depending on whether the QM was originated under the original general
 QM definition or the revised general QM definition effective March 1, 2021.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For
 each QM designated loan that satisfied the applicable requirements enumerated above,
 Consultant then determines whether the loan is a Safe Harbor QM or Higher Priced QM by
 comparing the loan's actual annual percentage rate, as recalculated, to the applicable
 average prime offer rate plus a certain percentage. For QM designated loans originated
 under the revised general QM definition effective March 1, 2021, Consultant also determines
 whether the loan exceeds the pricing thresholds for QM loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <u>Ability to Repay</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 ability to repay portion of the review for non-agency eligible loans only will focus
 on the eight factors detailed in the ATR Rule as detailed below for non-agency eligible
 loans. The Consultant will review the loan file to determine if the creditor verified
 and considered each of the eight factors utilizing reasonably reliable third-party documentation
 at or before consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Current
 or reasonably expected income or assets that the consumer will rely on to repay the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Current
 employment status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Monthly
 mortgage payment for subject loan using the introductory or fully indexed rate, whichever
 is higher, and monthly, fully amortizing payments that are substantially equal.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Monthly
 payment on any simultaneous loans secured by the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Monthly
 payments for property taxes and hazard/flood insurance and certain other costs related
 to the property such as homeowner's association fees or ground rent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Debts,
 alimony, and child support obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Monthly
 debt-to-income ratio or residual income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Credit
 history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For
 loans designated as agency eligible, Consultant will not review for compliance with the
 requirements of Appendix Q or General Ability to Repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Consultant
 reviews loans to determine their conformity with the ATR/QM factors above and is not
 rendering an independent assessment or analysis. Consultant's review is based on
 information contained in the loan file at the time it is provided to Consultant, and
 only reflects information as of that point in time and does not mean any regulator, judicial
 or agency will agree with the Consultant's conclusion.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Regulatory Compliance Disclaimer** 

Please be advised that Consultant will not make a determination as to whether loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated herein. There can be no assurance that the review uncovered all issues relating to the origination of the mortgage loans, their compliance with applicable law and regulation and the original appraisals relating of the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Consultant are dependent upon its receiving complete and accurate data regarding the mortgage loans from loans originators and other third parties upon which Consultant is relying in reaching such findings.

Please be further advised that Consultant does not employ personnel who are licensed to practice law in various jurisdictions, and the findings set forth in the reports prepared by Consultant do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Consultant. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including potential liability related to the purchase or other transaction involving any such loans, shall be made solely by the Client, or other agreed upon party, that has engaged Consultant to prepare its reports pursuant to its instructions and guidelines. Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Consultant are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**b)** **Seasoning And Certain Compliance Exceptions** 

Pursuant to the applicable NRSRO criteria, Consultant graded certain compliance exceptions as non-material based on seasoning of the mortgage loan. Certain mortgage loans were seasoned beyond the applicable period under TILA in which affirmative claims could be brought by a consumer. The time period is not limited for claims, other than recession, which are raised as a defense to foreclosure. Information contained in any Consultant reports related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual loan.

Consultant will confirm compliance with current documentation and timing requirements in effect at origination of the Mortgage Loan including:

● Servicing Transfer Disclosure (for applications prior to 10/03/2015):

○ Confirm the presence of the Servicing Transfer Disclosure form in file

○ Verify the Servicing Transfer Disclosure was provided to the borrower(s) within three general business days of "Application"

● Special Information Booklet (for applications prior to 10/03/2015)/ Home Loan Tool Kit (for applications on or after 10/03/2015):

○ Confirm the presence of the Home Loan Tool Kit is in file for covered loans.

○ Confirm the Home Loan Tool Kit is provided within three general business days of application

● Affiliated Business Disclosure

○ Confirm the presence of the Affiliated Business Disclosure in file in the event the lender has affiliated business arrangements

○ 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)

○ Confirm the Affiliated Business Disclosure is executed.

● Initial Escrow Disclosure Statement

○ Confirm the presence of the Initial Escrow Disclosure Statement in file

○ Confirm the Initial Escrow Disclosure Statement was provided at closing or within 45 days after settlement

**Equal Credit Opportunity Act (Regulation B)**

● Confirm the lender has provided the borrower a disclosure of the right to receive a copy of appraisals within three (3) business days of application. This disclosure requirement may be met by disclosure on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

● Confirm that the lender has provided (delivered) copies of appraisals and all other written valuations (as disclosed to the borrower on the HUD-1 and/or contained in the Mortgage Loan File) to the borrower at least three (3) business days prior to consummation Opus uses the following test: Was appraisal/valuation documentation processed at least 6 days prior to account opening/ consummation date (3 day rule plus 3 days mailing time)?

● For a borrower that has waived the 3-business day disclosure requirement, confirm that the borrower has either (1) signed the waiver at least three (3) business days prior to consummation or (2) has signed an acknowledgment that the waiver occurred at least three (3) business days prior to consummation. Additionally, confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**Fair Credit Report Act (Regulation V)**

● Confirm that the lender has provided the borrower the risk-based pricing notice (as required by 12 CFR § 1022.73) or credit score disclosure (as required by 12 CFR § 1022.74(d)), as applicable; (a) If the lender has provided the risk-based pricing notice, confirm the disclosure was provided before consummation, but not earlier than the approval decision was communicated to the consumer; and (b) If the lender has provided the credit score disclosure, confirm the disclosure was provided before consummation.

● Confirm that the lender has provided a copy of the disclosure of credit score and the Notice to Home Loan Applicant (as required by 15 U.S.C. § 1681g) before consummation.

**High-Cost, State & Local Anti-Predatory Regulations**

In addition to federal thresholds, Consultant will review the anti-predatory lending statutes in the following states and local municipalities, as applicable, as well as any additional applicable regulations implemented during the Term of this SOW.

● Arkansas Home Loan Protection Act, Ark. Stat. Ann. § 23-53-101 et seq.

● California Anti-Predatory Lending Statute, Cal. Fin. Code § 4970 et seq.

● California Higher-Priced Mortgage Loan Statute, Cal. Fin. Code §4995 et seq.

● Colorado Consumer Equity Protection Act, Colo, Rev. Stat. § 5-3.5-101 et seq. .

● Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a- 746 et seq., as amended from time to time.

● Connecticut Nonprime Home Loans Statute, Conn. Gen. Stat. §§ 36a-760 et seq. (as originally enacted and as amended by Senate Bill 949).

● District of Columbia Home Loan Protection Act, D.C. Official Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg § 2000.1 et seq.

● Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (for loans closed before July 1, 2014).

● Georgia Fair Lending Act, Ga. Stat. Ann. § 7-6A-1 et seq. (as originally enacted by House Bill 02-1361 and as modified by Senate Bill 03-53).

● Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq.

● Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code §345.10 et seq.

● Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003) codified at 815, ILCS §§ 137/5 et seq., and as amended by SB 1692 (2012), effective January 10, 2014.

● Illinois Predatory Lending Database Program, Public Act 95-0691 (SB 1167).

● City of Chicago, Illinois, Anti-Predatory Lending Ordinance, Chicago Municipal Code, §§ 2-32-440; 2-32-455; 2-92-325; 4-4-155; 8-4-325.

● Cook County, Illinois, Anti-Predatory Lending Ordinance, Cook County Code of Ordinances § 34-341.

● Cook County, Illinois, Anti-Predatory Lending Pilot Program, Illinois House Bill 4050 (2005).

● Indiana Home Loan Practices Act, as amended by HB 1179 (2005), Ind. Code §24-9-1 et seq.

● Section 16a-3-308a of the Kansas Consumer Credit Code, Kan. Stat. Ann. §16a.101 et seq.

● Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat. § 360.100 et seq.

● Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages (for loans closed prior to September 27, 2011), Me. Rev. Stat. Ann. Tit. 9-A, §§ 8-103(1); 8-206(8);8-206A, as amended by Legislative Documents 1869 (2007), 2125 (2008) and 1439 (2009).

● Maine Consumer Credit Code - Truth-in-Lending, (for loans closed on or after September 27, 2011), Me. Rev. Stat. Ann. tit. 9-A, §§ 8-501 et seq., as amended from time to time.

● Maryland Commercial Law, Md. Code Ann., Com. Law §§ 12-124.1; 12-127; 12- 409.1; 12-1029.

● Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law, Md. Code Ann., Fin. Instit. Code §§ 11-501 et seq.; Md. Code Regs. §§ 09.03.06.01 et seq.

● Massachusetts High-Cost Mortgage Regulations, 209 CMR Parts 32 and 40, as amended from time to time.

● Massachusetts Predatory Home Loan Practices Act, M.G.L. Chapter 183C, §§ 1 et seq.

● Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter 183, §28C.

● Massachusetts Mortgage Lender and Broker Regulations, 940 CMR §800 (15-17).

● Massachusetts Regulations for Higher Priced Mortgage Loans, 209 CMR §§ 32.00 et.seq., as amended from time to time.

● Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L. Chapter 184, §17B.5.

● Michigan Consumer Mortgage Protection Act, Mich. Stat. Ann. § 445-1631 et seq.

● Minnesota Mortgage Originator and Service Licensing Act, § 58.137 et seq. (S.F. 2988 (2002)), as amended by House File 1004 (2007) and Senate File 988 (2007).

● Nebraska Mortgage Bankers Registration and Licensing Act, Neb. Stat § 45-702 et seq.

● Nevada Anti-Predatory Lending Law, Assembly Bill No. 284 (2003) and Amended by Assembly Bill No. 440 (2007), codified as NRS § 598D.010 et seq.

● New Jersey Home Ownership Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq., as amended from time to time.

● New Mexico Home Loan Protection Act, Senate Bill 449 (Regular Session 2003), codified at NM Rev. Stat. § 58-21A-1 et seq. and as amended from time to time.

● New York High-Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).

● New York High-Cost Home Loan Act, N.Y. Bank. L. Ch. 626., as codified in NY Bank. Law § 6-l, and as implemented by 3 NYCCR Part 41 as amended from time to time.

● New York Subprime Home Loans Statute, NY Bank. Law § 6-m.

● North Carolina Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-1.1A to 24- 10.2 and North Carolina Amendments to Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-9; 24-1.1(E)(a); 24-10.2(a), as amended from time to time.

● Ohio Anti-Predatory Lending Statute, HB 386 as amended by Senate Bill 185 (2006), and as codified in various sections of the Ohio Code.

● Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as implemented by Ohio Admin. Rules § 109 4-3-01 et seq.

● City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003 (PSH), Mun. Code §§ 757.01 et seq.

● Summit County, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 2004- 618, Muni. Code §§ 201.01 et seq.

● Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003), as codified in various sections of Title 14A of the Oklahoma Consumer Credit Code.

● Oklahoma Higher-Priced Mortgage Loans Law, Okla. Admin. Code §§ 160:45-9-1 et seq.

● Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons. Stat. Ann. § 456.501 et seq.

● Rhode Island Home Loan Protection Act, R.I. Gen. L. 34-25.1-2 et seq, as implemented by Emergency Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).

● City of Providence, Rhode Island, Anti-Predatory Lending Ordinance, Chapter 2006-33, Ordinance No. 245.

● South Carolina High-Cost and Consumer Home Loans Act, S.C. Code § 37-23-10 et seq.

● Tennessee Home Loan Protection Act, Tenn. H.R. 3597 (2006), as codified at Tenn. Code Ann. §§ 45-20-101 et seq.

● Texas High-Cost Home Loan Statute, Tx. Fin. Code Ann. § 343.201 et seq.

● Section 50(a)(6), Article XVI of the Texas Constitution

● Section 50(f)(2), Article XVI of the Texas Constitution

● Utah Residential Mortgage Practices Amendments, Utah Code Ann. § 61-2c-102 et seq.

● Utah High-Cost Home Loan Act, Utah Code § 61-2d-101 et seq.

● Vermont Interest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2.

● Virginia Mortgage Lender and Broker Act (for loans originated prior to July 1, 2003), Va. Code Ann. §§ 6.1-413; 6.1-422; 6.1-428.

● Virginia Mortgage Lender and Broker Act (for loans originated on or after July 1, 2003 to September 30, 2010, as amended), Va. Code Ann. §§ 6.1-411, 6.1-422.1, 6.1-425.1 and 6.1-425.2.

● Virginia Mortgage Lender and Broker Act (for loans originated on or after October 1, 2010), Va. Code Ann. §§ 6.2-1600 et seq., as amended from time to time.

● Virginia Senate Bill 797 (2008), effective July 1, 2008 (uncodified).

● West Virginia Residential Mortgage Lender, Broker and Servicer Act, W.Va. Code § 31-17 et seq.

● Wisconsin Responsible High-Cost Mortgage Lending Act, Wis. Stat. § 428.202, as implemented by Wis. Admin. Code DFI-Bkg 46.01 et seq.

**Flood Insurance Testing**

**National Flood Insurance Program (NFIP)**

Each mortgage loan will be reviewed to ensure adherence to flood insurance coverage requirements as outlined under the NFIP, including identification of flood zones and subsequent policy documentation for evidence of adequate coverage amounts.

**Homeowner's Flood Affordability Act (HFIAA)**

Each mortgage loan made by an FDIC-supervised institution or servicer acting on its behalf shall require the escrow of all premiums and fess for flood insurance for any designated loan secured by residential improved real estate or a mobile home, made, increased, extended or renewed on or after January 1, 2016.

Frequency – Payable with same frequency as payments designated for the loans Exceptions

● Loan is an extension of credit primarily for business, commercial or agricultural purposes

● 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

● Flood Insurance coverage for the residential real estate is provided by a policy that

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Meets
 requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Provided
 by a condominium association, cooperative or other applicable group and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. The
 premium for which is paid by the condominium associate, cooperative, homeowners association,
 or other group as a common expense.

**Misrepresentation and Third-Party Review**

Validate that fraud reports and independent third-party property valuations reports are in the file. The review will consist of the following:

1) Misrepresentation Review and Valuation Review

Review on each loan to identify potential misrepresentations of income, employment, identity, occupancy, transaction and appraisal misrepresentation or other areas of potential misrepresentation. The Misrepresentation may include the following:<br>

● 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.

● Alerts: Assess credit report alerts for accuracy and potential issues.

● Social Security Numbers: Compare SSN(s) across all file documents.

● 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.

● Data Consistency: Review the documents contained in the loan file for consistency of data.

● Third Party Fraud Tools:

**Independent Third-Party Values**

Review each loan to determine whether a third party valuation product was required and if required, that the third party product value was compared to the original appraised value to identify a value variance and apply the appropriate rating agency grade after reviewing the required valuation products. i) Consultant will perform the following steps.

● Property is complete

● Value is based on as-is condition or provides satisfactory completion of all material conditions including inspections, licenses, and certifications (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

● Property is described in average or better condition

● No apparent appraiser independence violation statements

● Appraisal addresses any adverse comments

● Appraisal is completed on appropriate GSE Forms

● Appraisal contains required attachments.

● Appraiser was appropriately licensed at the time the appraisal was signed

**Valuation Waterfall and Products** 

**<u>Agency Eligible Loan Programs</u>**

● PIW

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. All
 PIW loans: AVM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. If
 AVM <90% of origination value: BPO

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. If
 BPO <90% of origination value: Stip for Seller to order Field Review/2055 or Appraisal.

● If FHLMC Rep &Warrant Relief NOT Eligible for FNMA CU >2.5

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. All:
 Desk Review (w/value conclusion)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. If
 Desk Review < 90% of origination value: Stip for Seller to order a Filed Review/2055
 of second appraisal.

**<u>Jumbo Loan Programs</u>**

● If only 1 appraisal and no desk review: Stip for Seller to order a Desk Review (w/value conclusion)

● If guidelines required 2 appraisals, but only 1 appraisal provided; Stip for Seller to order second appraisal

● If desk review indicated a value lower than the appraisal; Stip for Seller to order BPO and value reconciliation.

Seasoned Loan Updated:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) **Updated AVM:** An Automated Valuation Model ("AVM") will be ordered on each property.
 If the resulting value of the AVM is in aggregate less than 90% of the value reflected
 on the original appraisal, or if no results are returned, an Appraisal Desk Review will
 be ordered on the property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) **Appraisal Desk Review:** If the resulting value for the PVO is less than 90% of the value reflected
 on the original appraisal, or if no results are returned, a Broker Price Opinion (BPO)
 will be ordered on the property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) **BPO:** If the resulting value of the BPO is less than 90%of the value reflected on the original
 appraisal, an appraisal field review may be ordered on the property

The criteria set forth in this section titled "Valuation Waterfall and Products: are subject to change by RMC at any time.

Value Review Disclaimer

● 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.

● 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.

● Opus is not an Appraisal Management Company ("AMC") and therefore does not opine on the actual value of the underlying property.

● Opus is not a creditor within the meaning of the Equal Credit Opportunity Act ("ECOA") or other lending laws and regulations, and therefore Opus will not have and communications with or responsibility to any individual concerning property valuations.

**Properties in FEMA declared disaster zones.**

If a FEMA declared disaster occurs after the inspection date on the appraisal in a property located in an area that is designated as IA (Individual Assistance) or IH (Individual and Household Assistance), Consultant will review the file to determine if an exterior inspection to ensure:

● No apparent damage to the property

● Property appears to be occupied

**Data Compare**

Client will provide a data tape with the following data fields and Consultant will compare the field to the applicable source document and report any variance

● Appraised Value

● CLTV

● DTI

● FICO

● Interest Only

● Interest Rate

● Loan Term

● Loan Purpose

● LTV

● Occupancy

● Original Balance

● Property Address

● Property City

● Property State

● Property Type

● Sales Price

● Second Mortgage Lien Amount

● Self Employed

● Units

● Zip Code

● Loan Type

● QM Status

**Rating Agency Grading Criteria**

**Fitch Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Fitch in their current industry publications as updated from time to time.

**Moody's Investor Services Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Moody's in their current industry publications as updated from time to time.

**Kroll Bond Rating Agency LLC Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Kroll in their current industry publications as updated from time to time.

**S&P Global Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Standard & Poor's in their current industry publications and updated from time to time.

**DBRS Morningstar Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by DBRS in their current industry publications and updated from time to time.

**Opus Grading Criteria**

1) Opus Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The following grading is not intended for securitization reviews, and Opus will not issue a Rating Agency Narrative, Reliance or Form ABS Due Diligence 15-E if Client elects to utilize the following grading criteria. The methodology for the application of grading is defined by Opus and updated from time to time shall be determined as follows:

**Opus Credit Grades** 

● Level 1 Credit Grade Definition: Loan was originated in accordance with the mortgage loan originator underwriting guidelines without exception.

● 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.

● Level 3 Credit Grade Definition: Loan was not originated in substantial compliance with the originator's underwriting guidelines and there are insufficient compensating factors for the exceptions or is missing material documentation.

**Opus Property Grades** 

● 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.

● 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.

● Level 3 Property Grade Definition: Property value does not appear to fall within 10% of the original appraised value and/or material deficiencies exist with respect to the appraisal process or the file is missing material documentation.

**Opus Compliance Grades** 

● Level 1 Compliance Grade Definition: Loan complies with all applicable laws and regulations reviewed under the applicable scope of work.

● 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.

● Level 3 Compliance Grade Definition: Loan is not in compliance with laws and regulations reviewed under the applicable scope of work or the loan is missing material documentation.

**REDACTED INFORMATION**

● Borrower Name

● Co-Borrower Name

● SSNs

● Property Address, City, County, MSA, Zip

● Mailing Address

● Account Number, including Originator and Servicer Loan Number

● Origination Date

● Names of Borrowers or any other Individuals

● Company and Entity Names

● Financial Institution Names

● Job Position Titles

● Any Address

● Any Location Information (other than state), including City, County, MSA and Zip

● Account Numbers of any type

● Insurance Claim Numbers

● Insurance Policy Numbers

● Foreclosure Action dates and Case Numbers

● Bankruptcy Action dates and Case Numbers

● Any reference that would allow the identification of the location of a property (e.g. neighborhood, body of water, schools, major highways)

**DSCR Loan Review** 

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client (the "<u>Underwriting Guidelines</u>") are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review guidelines will consist of the following:

**Borrower Underwriting:** 

● **Borrower Liquidity:** Review and confirm borrower's liquidity position adheres to Underwriting Guidelines.

● **Credit / Background Check:** Review and confirm each guarantor and/or owner of the borrowing entity requirements meet Underwriting Guidelines, including OFAC.

● **Property management questionnaire:** Review the questionnaire to confirm management experience meets Underwriting Guidelines.

● **Borrowing Entity:** Confirm the entity is in good standing and duly formed (if applicable documents are in the file). Verify the individual signing on behalf of the organization has the authority to bind the entity (if applicable documents are in the file).

● **Loan-to-Value (LTV)/Loan-to-Cost (LTC) Limits:** Confirm the LTV/LTC meets Underwriting Guidelines per Underwriting Guidelines.

● **Permitted Loan Terms:** Confirm the loan terms are eligible per the Underwriting Guidelines.

● **Property Requirements and Market Requirements:** Confirm the loan Property and Market Requirements are eligible per the Underwriting Guidelines.

● **DSCR—ensure components of Debt Service Coverage Ratio are identified correctly:** Recalculation of DSCR

**Title Insurance Requirements are met per Guidelines only as follows** 

Confirm Loss payee language must be present and required insurance policies and coverage amounts meet the Underwriting Guidelines.

● **Condominium Eligibility:** Confirm Condo Master Policy is present and meets the Underwriting Guidelines

● **Property Insurance:** Confirm each mortgaged property has a policy in place and proper coverage amount in adherence to the Underwriting Guidelines.

● **Preliminary/Commitment Title:** Review and confirm first lien holder position, validate no loan file discrepancies, delinquent taxes, and/or additional liens at time of consummation.

**Credit Document Check** 

● Loan Application: Verify the presence and completeness of both the initial and final loan applications.

● 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.

● 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.

● 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.

● 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.

● Asset Documentation: Verify the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

● 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.

● Proof of Insurance: Verify the presence of insurance certificates for mortgage, hazard and flood insurance on an as needed basis depending upon the specifics of the loan. Confirm that adequate coverage is present to meet the requirements of the Client provided underwriting guidelines.

**Compliance**

● No compliance testing for the DSCR review.

**<u>Pool Details</u>**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;**Purpose** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of<br> Pool |
| &nbsp;&nbsp;Cash out Refi | &nbsp;&nbsp;24 | &nbsp;&nbsp;47.06% |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;23 | &nbsp;&nbsp;45.10% |
| &nbsp;&nbsp;Rate / Term Refi | &nbsp;&nbsp;4 | &nbsp;&nbsp;7.84% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**51** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Property Type** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;22 | &nbsp;&nbsp;43.14% |
| &nbsp;&nbsp;Co-op | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;7 | &nbsp;&nbsp;13.73% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;9 | &nbsp;&nbsp;17.65% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;8 | &nbsp;&nbsp;15.69% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;3 | &nbsp;&nbsp;5.88% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.96% |
| &nbsp;&nbsp;5-10 Unit Multi-Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.96% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**51** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Occupancy** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;18 | &nbsp;&nbsp;35.29% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;3 | &nbsp;&nbsp;5.88% |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;30 | &nbsp;&nbsp;58.82% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**51** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Product Type** | &nbsp;&nbsp;**Product Type** | &nbsp;&nbsp;**Product Type** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;51 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**51** | &nbsp;&nbsp;**100.00%** |

---

**<u>Tape Discrepancies</u>**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Element** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Accuracy** |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.04% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;9 | &nbsp;&nbsp;82.35% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.04% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.04% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;2 | &nbsp;&nbsp;96.08% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.04% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;15 | &nbsp;&nbsp;70.59% |
| &nbsp;&nbsp;**Total Loans** | &nbsp;&nbsp;**51** |  |

---

**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there were four (4) obligors with multiple loans in the pool.

**Property Inspection Waivers:** No loans had a Property Inspection Waiver.

**<u>Loan Grading Definitions</u>**

**<u>Credit</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp; A | &nbsp;&nbsp; A | &nbsp;&nbsp;Loan conforms to all applicable guidelines, no conditions noted |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp; B | &nbsp;&nbsp; B | &nbsp;&nbsp;Loan does not meet every applicable credit guideline. However, most of the loan characteristics are within the guidelines and there are documented and significant compensating factors |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp; C | &nbsp;&nbsp; C | &nbsp;&nbsp;The loan does not meet every applicable credit guideline, and most of the loan characteristics are outside of guidelines; or there are weak or no compensating factors |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp; D | &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Compliance</u>**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations; however, minor evidentiary issue(s) exist |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Property Valuation</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A &nbsp;&nbsp; A | &nbsp;&nbsp;Value is within a 10% variance of third party product. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B &nbsp;&nbsp; B | &nbsp;&nbsp;Meets all terms for an A, but property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C &nbsp;&nbsp; C | &nbsp;&nbsp;Any of the following items: Origination value and third party valuation product value has a variance of 10% or greater, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;First Level Review Value is within a 10% variance to the original appraisal. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;First Level Review Value is greater than a 10% variance to the original appraisal but the second level review value is within 10% variance of the original appraised value. In addition, property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Any of the following items: Second Level Review Value is greater than a 10% variance to the original appraisal, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

**<u>Loan Review Findings</u>**

The following summarizes Consultant's final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated March 12, 2026.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Grade Summary** | | |
| &nbsp;&nbsp;**Fitch NRSRO Grade** | <br>&nbsp;&nbsp;**# of** <br> **Loans** | <br>&nbsp;&nbsp;**% of** <br> **Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;37 | &nbsp;&nbsp;72.55% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;14 | &nbsp;&nbsp;27.45% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Grade Summary** | | |
| &nbsp;&nbsp;**Kroll NRSRO Grade** | <br>&nbsp;&nbsp;**# of** <br> **Loans** | <br>&nbsp;&nbsp;**% of** <br> **Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;38 | &nbsp;&nbsp;74.51% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;13 | &nbsp;&nbsp;25.49% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Compliance Grade Summary** |  |  |
| &nbsp;&nbsp;**Fitch and Kroll NRSRO Grade** | &nbsp;&nbsp;**# of** <br> **Loans** | &nbsp;&nbsp;**% of** <br> **Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;49 | &nbsp;&nbsp;96.08% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.92% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Grade Summary** | | |
| &nbsp;&nbsp;**Fitch and Kroll NRSRO Grade** | <br>&nbsp;&nbsp;**# of** <br> **Loans** | <br>&nbsp;&nbsp;**% of** <br> **Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;40 | &nbsp;&nbsp;78.43% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;11 | &nbsp;&nbsp;21.57% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Property Grade Summary** |  |  |
| &nbsp;&nbsp;**Kroll NRSRO Grade** | &nbsp;&nbsp;**# of** <br> **Loans** | &nbsp;&nbsp;**% of** <br> **Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;51 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Grade Summary** | | |
| &nbsp;&nbsp;**Fitch NRSRO Grade** | <br>&nbsp;&nbsp;**# of** <br> **Loans** | <br>&nbsp;&nbsp;**% of** <br> **Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;50 | &nbsp;&nbsp;98.04% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.96% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**<u>Loans Reviewed (51)</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;2126838 | &nbsp;&nbsp;2132462 | &nbsp;&nbsp;2128040 | &nbsp;&nbsp;2128048 | &nbsp;&nbsp;2117064 | &nbsp;&nbsp;2132465 |
| &nbsp;&nbsp;2128032 | &nbsp;&nbsp;2132463 | &nbsp;&nbsp;2128033 | &nbsp;&nbsp;2128035 | &nbsp;&nbsp;2117063 | &nbsp;&nbsp;2128043 |
| &nbsp;&nbsp;2132469 | &nbsp;&nbsp;2126831 | &nbsp;&nbsp;2128038 | &nbsp;&nbsp;2128041 | &nbsp;&nbsp;2120678 | &nbsp;&nbsp;2120676 |
| &nbsp;&nbsp;2128044 | &nbsp;&nbsp;2126837 | &nbsp;&nbsp;2132464 | &nbsp;&nbsp;2128047 | &nbsp;&nbsp;2117068 | &nbsp;&nbsp;2123068 |
| &nbsp;&nbsp;2128031 | &nbsp;&nbsp;2128051 | &nbsp;&nbsp;2128034 | &nbsp;&nbsp;2123069 | &nbsp;&nbsp;2120681 | &nbsp;&nbsp;2128053 |
| &nbsp;&nbsp;2126839 | &nbsp;&nbsp;2126832 | &nbsp;&nbsp;2120682 | &nbsp;&nbsp;2117061 | &nbsp;&nbsp;2123073 | &nbsp;&nbsp;2086335 |
| &nbsp;&nbsp;2132468 | &nbsp;&nbsp;2128052 | &nbsp;&nbsp;2132466 | &nbsp;&nbsp;2123065 | &nbsp;&nbsp;2126840 |  |
| &nbsp;&nbsp;2123074 | &nbsp;&nbsp;2128036 | &nbsp;&nbsp;2128050 | &nbsp;&nbsp;2126836 | &nbsp;&nbsp;2128042 |  |
| &nbsp;&nbsp;2126833 | &nbsp;&nbsp;2128037 | &nbsp;&nbsp;2128039 | &nbsp;&nbsp;2117071 | &nbsp;&nbsp;2123067 |  |

---

If you have any questions, please contact Uriah Clavier at Uriah.Clavier@opuscmc.com

## Exhibit 99.10

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.10 - Schedule 1**

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| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXXX | XXXX |  | 2086335 | Closed | 2025-02-19 14:20 | 2026-03-04 08:11 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A - Due Diligence Vendor-03/04/2026 <br>Acknowledged- - Due Diligence Vendor-02/21/2025 <br>Ready for Review-please waive - Buyer-02/21/2025 <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/19/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A - Due Diligence Vendor-03/04/2026<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 3449630 | Originator Post-Close | No |
| XXXXX | XXXX |  | 2117068 | Closed | 2025-12-30 05:17 | 2026-01-05 13:13 | Cured | 2 - Non-Material | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Cured-The lender provided required post-closing documentation to cure tolerance violation. Condition cured. - Due Diligence Vendor-01/05/2026 <br> Open- - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. - Buyer-01/03/2026 <br> Open-The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. The lender appears to not have included the Title-Archive fee of $XXX.XX in finance charges. - Due Diligence Vendor-12/30/2025 <br> Open- - Due Diligence Vendor-12/31/2025 <br> Open- - Due Diligence Vendor-12/30/2025 <br> Open- - Due Diligence Vendor-12/30/2025 <br> Open- - Due Diligence Vendor-12/30/2025 |  | Cured-The lender provided required post-closing documentation to cure tolerance violation. Condition cured. - Due Diligence Vendor-01/05/2026<br>| XXXXXXXXXX XXXXXXXXXX PCCD all.pdf |  |  | XX | Primary Residence | Purchase | NA | 6848257 | N/A | N/A |
| XXXXX | XXXX |  | 2117068 | Closed | 2025-12-30 05:09 | 2026-01-02 16:55 | Resolved | 1 - Information | Credit | Eligibility | Appraisal Transfer Does Not Meet Guideline Requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-01/02/2026 <br>Ready for Review-Document Uploaded. - Buyer-12/31/2025 <br>Open-Appraisal Transfer Does Not Meet Guideline Requirements. Copy of the invoice submitted to the original lender with outstanding balance - Due Diligence Vendor-12/30/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-01/02/2026<br>| Invoice.pdf |  |  | XX | Primary Residence | Purchase | NA | 6848168 | N/A | N/A |
| XXXXX | XXXX |  | 2120682 | Closed | 2025-12-31 03:20 | 2026-01-13 11:33 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-01/13/2026 <br>Ready for Review-Document Uploaded. - Buyer-01/09/2026 <br>Open-Borrower 1 IRS Transcripts Missing - Due Diligence Vendor-12/31/2025 |  | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-01/13/2026<br>| XXXXXXXXXX XXXXX - XXXX Tax Transcript.pdf |  |  | XX | Investment | Purchase | NA | 6866637 | N/A | N/A |
| XXXXX | XXXX |  | 2120682 | Closed | 2025-12-31 03:19 | 2026-01-05 09:07 | Waived | 2 - Non-Material | Credit | Income/Employment | FICO does not meet minimum program requirement | Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/05/2026 <br>Ready for Review-Document Uploaded. - Buyer-01/02/2026 <br>Open-The lender guideline 3.10 require all borrowers qualifying FICO scores must be at least 620, the Co-borrower FICO is less than the guideline minimum. - Due Diligence Vendor-12/31/2025 |  | Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/05/2026<br>| Exception.pdf |  | FICO 751 > 660 min<br> LTV 75% < 90% Max | XX | Investment | Purchase | NA | 6866626 | Investor Post-Close | No |
| XXXXX | XXXX |  | 2117063 | Closed | 2026-01-02 11:02 | 2026-01-05 13:16 | Resolved | 1 - Information | Credit | Eligibility | Appraisal Transfer Does Not Meet Guideline Requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-01/05/2026 <br>Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-01/05/2026 <br>Ready for Review-Document Uploaded. - Buyer-01/02/2026 <br>Open-Appraisal Transfer Does Not Meet Guideline Requirements. The lender guideline 6.1.4 requires Transfer of the Appraisal to have a Transfer Letter and Copy of the invoice submitted to the original lender with outstanding balance if applicable. - Due Diligence Vendor-01/02/2026 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-01/05/2026 <br>Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-01/05/2026<br>| Invoice.pdf |  |  | XX | Primary Residence | Purchase | NA | 6896766 | N/A | N/A |
| XXXXX | XXXX |  | 2117061 | Closed | 2026-01-05 12:42 | 2026-01-07 08:08 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Document Uploaded. - Buyer-01/06/2026 <br> Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-01/05/2026 |  | Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/07/2026<br>| XXXXXXXXXX Appraisal Delivery.pdf |  |  | XX | Second Home | Purchase | NA | 6918742 | Investor Post-Close | No |
| XXXXX | XXXX |  | 2117061 | Closed | 2026-01-05 11:33 | 2026-01-07 07:56 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-The lender provided the required documentation. Condition resolved, - Due Diligence Vendor-01/07/2026 <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-01/07/2026 <br>Ready for Review-Document Uploaded. - Buyer-01/06/2026 <br>Open-TRID: Missing Final Closing Disclosure The final Closing Disclosure is missing, compliance testing not completed. - Due Diligence Vendor-01/05/2026 |  | Resolved-The lender provided the required documentation. Condition resolved, - Due Diligence Vendor-01/07/2026 <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-01/07/2026<br>| XXXXXXXXXX CD.pdf |  |  | XX | Second Home | Purchase | NA | 6917514 | N/A | N/A |
| XXXXX | XXXX |  | 2117071 | Closed | 2026-01-08 15:20 | 2026-01-13 09:31 | Resolved | 1 - Information | Credit | Eligibility | Appraisal Transfer Does Not Meet Guideline Requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-01/13/2026 <br>Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-01/13/2026 <br>Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-01/13/2026 <br>Ready for Review-Document Uploaded. - Buyer-01/09/2026 <br>Open-Appraisal Transfer Does Not Meet Guideline Requirements. The lender guideline 6.1.4 requires Transfer of the Appraisal to have a Transfer Letter and Copy of the invoice submitted to the original lender with outstanding balance if applicable. - Due Diligence Vendor-01/08/2026 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-01/13/2026 <br>Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-01/13/2026 <br>Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-01/13/2026<br>| Invoices.pdf |  |  | XX | Primary Residence | Purchase | NA | 6993487 | N/A | N/A |
| XXXXX | XXXX |  | 2117071 | Closed | 2026-01-08 12:43 | 2026-01-13 09:31 | Resolved | 1 - Information | Compliance | Missing Doc | HPML: Most Recent Primary Appraisal Not Provided to Applicant | Resolved-HPML Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. The lender provided the required documentation. Condition cleared. - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. - Seller-01/09/2026 <br> Open-HPML Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. HPML: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. - Seller-01/09/2026<br>| Resolved-HPML Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. The lender provided the required documentation. Condition cleared. - Due Diligence Vendor-01/13/2026<br>| Appraisal Delivery XX/XX/XXXX.pdf |  |  | XX | Primary Residence | Purchase | NA | 6990458 | N/A | N/A |
| XXXXX | XXXX |  | 2117071 | Closed | 2026-01-08 12:43 | 2026-01-13 09:31 | Resolved | 1 - Information | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Resolved-ECOA Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. The lender provided the required documentation. Condition cleared. - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. - Seller-01/09/2026 <br> Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. - Seller-01/09/2026<br>| Resolved-ECOA Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. The lender provided the required documentation. Condition cleared. - Due Diligence Vendor-01/13/2026<br>| Appraisal Delivery XX/XX/XXXX.pdf |  |  | XX | Primary Residence | Purchase | NA | 6990459 | N/A | N/A |
| XXXXX | XXXX |  | 2120678 | Closed | 2026-01-12 09:41 | 2026-01-14 13:00 | Resolved | 1 - Information | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-01/14/2026 <br> Resolved-ECOA Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. - Buyer-01/13/2026 <br> Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/12/2026 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-01/14/2026 <br>Resolved-ECOA Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. - Due Diligence Vendor-01/14/2026<br>| Updated appraisaL emailled to borrower XX.XX.XXXX.pdf |  |  | XX | Primary Residence | Purchase | NA | 7041435 | N/A | N/A |
| XXXXX | XXXX |  | 2120681 | Closed | 2026-01-15 05:44 | 2026-01-15 10:35 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/15/2026 <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/15/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/15/2026<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 7105459 | Investor Post-Close | No |
| XXXXX | XXXX |  | 2120676 | Closed | 2026-03-03 12:14 | 2026-03-03 12:14 | Acknowledged | 2 - Non-Material | Property | Value | Secondary Valuation Product Only Supports Value Used to Calculate LTV | Acknowledged-Secondary valuation product does not support the appraised value but does support the value used to calculate the LTV. This finding will be rated A for KBRA, DBRS and Moody's, B for Fitch, and C for S&P. Original Appraisal Value $X.XXX Desk Review Value $X.XXX. Lender used the lower $X.XXX to close loan. - Due Diligence Vendor-03/03/2026 |  | Acknowledged-Secondary valuation product does not support the appraised value but does support the value used to calculate the LTV. This finding will be rated A for KBRA, DBRS and Moody's, B for Fitch, and C for S&P. Original Appraisal Value $X.XXX Desk Review Value $X.XXX. Lender used the lower $X.XXX to close loan. - Due Diligence Vendor-03/03/2026 |  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7900667 | Investor Post-Close | No |
| XXXXX | XXXX |  | 2123067 | Closed | 2026-01-20 09:35 | 2026-01-21 14:06 | Resolved | 1 - Information | Credit | Missing Doc | Missing Letter of Explanation (Assets) | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-The deposits are from these two business license agreements, the funds paid are highlighted in the contracts. <br>- Seller-01/21/2026 <br> Ready for Review-Document Uploaded. Please see two contracts that tie into the deposit per the bank statement - Seller-01/21/2026 <br> Open-The lender guideline on large deposits of greater than 50% of the monthly business revenue must be documented for a purchase transaction. The file is missing documentation of 6 deposits greater than 50% of the monthly business revenue from XX/XXXX until close, please see Asset tab comment section for deposit amounts and dates. - Due Diligence Vendor-01/20/2026 | Ready for Review-The deposits are from these two business license agreements, the funds paid are highlighted in the contracts. <br>- Seller-01/21/2026 <br>Ready for Review-Document Uploaded. Please see two contracts that tie into the deposit per the bank statement - Seller-01/21/2026<br>| Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-01/21/2026<br>| Large Deposit.pdf |  |  | XX | Primary Residence | Purchase | NA | 7179305 | N/A | N/A |
| XXXXX | XXXX |  | 2123067 | Closed | 2026-01-19 02:55 | 2026-01-21 13:50 | Resolved | 1 - Information | Credit | Missing Doc | Missing Gift Documentation | Resolved-Documentation uploaded. Finding Resolved. - Due Diligence Vendor-01/21/2026 <br>Ready for Review-Document Uploaded. No gift was removed from the 1003 - Buyer-01/21/2026 <br>Open-Guidelines require a signed gift letter from the donor specifying the following: (1) the specific dollar amount of the gift and the date the funds were transferred to the borrower, (2)donor's name, address, telephone number and the relationship to the borrower and (3) the donor's statement that no repayment is expected. The gift documentation is missing for the gift funds listed on the final application. Gift letter and proof of gift funds are not provided in file - Due Diligence Vendor-01/19/2026 |  | Resolved-Documentation uploaded. Finding Resolved. - Due Diligence Vendor-01/21/2026<br>| XXXXXXXXXX 1003.pdf |  |  | XX | Primary Residence | Purchase | NA | 7159899 | N/A | N/A |
| XXXXX | XXXX |  | 2123067 | Closed | 2026-01-19 02:46 | 2026-03-09 11:09 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-03/09/2026 <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/09/2026 <br>Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements . - Due Diligence Vendor-03/04/2026 <br>Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-01/21/2026 <br>Ready for Review-Document Uploaded. No gift please - Seller-01/21/2026 <br>Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Gift letter and proof for gift funds are missing in file - Due Diligence Vendor-01/19/2026 | Ready for Review-Document Uploaded. No gift please - Seller-01/21/2026<br>| Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-03/09/2026 <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/09/2026 <br>Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-01/21/2026<br>| XXXXXXXXXX1003.pdf |  |  | XX | Primary Residence | Purchase | NA | 7159780 | N/A | N/A |
| XXXXX | XXXX |  | 2123068 | Closed | 2026-01-21 06:36 | 2026-01-22 08:17 | Resolved | 1 - Information | Credit | Eligibility | Appraisal Transfer Does Not Meet Guideline Requirements | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-01/22/2026 <br>Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-01/22/2026 <br>Ready for Review-Document Uploaded. It doesn't tell me why it doesn't meet guidelines. I assuming it was for the invoice which I atttached - Buyer-01/21/2026 <br>Open-Appraisal Transfer Does Not Meet Guideline Requirements. - Due Diligence Vendor-01/21/2026 |  | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-01/22/2026 <br>Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-01/22/2026<br>| Invoice.pdf |  |  | XX | Primary Residence | Purchase | NA | 7198446 | N/A | N/A |
| XXXXX | XXXX |  | 2123065 | Closed | 2026-01-21 08:01 | 2026-01-23 09:33 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-01/23/2026 <br>Ready for Review-Document Uploaded. - Seller-01/22/2026 <br>Open-CDA fee is paid to clear capital on Final CD an PCCD but there is no CDA in file - Due Diligence Vendor-01/21/2026 | Ready for Review-Document Uploaded. - Seller-01/22/2026<br>| Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-01/23/2026<br>| XXXXXXXXXX Ck Copy.pdf<br> FedEx Shipping Label - XXXXXXXXXX.pdf<br> XXXXXXXXXX PCCD refund.pdf<br> XXXXXXXXXX PCCD refund.pdf |  |  | XX | Primary Residence | Purchase | NA | 7201460 | N/A | N/A |
| XXXXX | XXXX |  | 2123065 | Closed | 2026-01-21 07:58 | 2026-01-23 09:30 | Resolved | 1 - Information | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-01/23/2026 <br>Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-01/23/2026 <br>Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-01/23/2026 <br>Ready for Review-Document Uploaded. - Buyer-01/22/2026 <br>Open-Missing Approval/Underwriting Summary Approval/Underwriting Summary Not Provided - Due Diligence Vendor-01/21/2026 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-01/23/2026 <br>Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-01/23/2026<br>| 1008.pdf |  |  | XX | Primary Residence | Purchase | NA | 7201394 | N/A | N/A |
| XXXXX | XXXX |  | 2123065 | Closed | 2026-01-21 06:03 | 2026-01-23 09:24 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/23/2026 <br>Ready for Review-Document Uploaded. - Buyer-01/22/2026 <br>Open-Housing History Does Not Meet Guideline Requirements The lender guideline 3.4.1 requires a VOR completed non-institutional party to verify prior 12 months canceled checks or bank statements verification. The file is missing prior 12 months canceled checks or bank statements. The lender guideline 3.4.1 requires a VOR completed non-institutional party to verify prior 12 months canceled checks or bank statements verification. The file is missing prior 12 months canceled checks or bank statements. - Due Diligence Vendor-01/21/2026 |  | Waived-Housing History Does Not Meet Guideline Requirements Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/23/2026<br>| Exception.pdf |  | DTI 31.759% < 45% Max<br> FICO 747 > 700 Min<br> Reserves 7.26 Months > 6 months Min<br> SE 3years 8 months > 2 Year Min<br> Residual Income $XX,XXX.XX > $XXXX Min | XX | Primary Residence | Purchase | NA | 7198104 | Originator Pre-Close | Yes |
| XXXXX | XXXX |  | 2123065 | Closed | 2026-01-21 06:03 | 2026-01-23 09:24 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-ATR Risk - Credit History taken into consideration meets requirements The lender provided the required documents. Condition resolved - Due Diligence Vendor-01/23/2026 <br>Ready for Review-Document Uploaded. - Buyer-01/22/2026 <br>Open-ATR Risk - Credit History taken into consideration does not meet requirements The lender guideline 3.4.1 requires a VOR completed non-institutional party to verify prior 12 months canceled checks or bank statements verification. The file is missing prior 12 months canceled checks or bank statements. - Due Diligence Vendor-01/21/2026 |  | Resolved-ATR Risk - Credit History taken into consideration meets requirements The lender provided the required documents. Condition resolved - Due Diligence Vendor-01/23/2026<br>| Exception.pdf |  |  | XX | Primary Residence | Purchase | NA | 7198105 | N/A | N/A |
| XXXXX | XXXX |  | 2126832 | Closed | 2026-01-22 08:44 | 2026-01-23 07:49 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-01/23/2026 <br>Ready for Review-Document Uploaded. - Buyer-01/22/2026 <br>Ready for Review-Document Uploaded. - Buyer-01/22/2026 <br>Open-As per Final 1003, REO 3C has refinanced recently with subject however only provided HOI. Please provided documentation to support PI and Tax or first payment letter - Due Diligence Vendor-01/22/2026 |  | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-01/23/2026<br>| FPL.pdf<br>FPL 64.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 7240414 | N/A | N/A |
| XXXXX | XXXX |  | 2126831 | Closed | 2026-01-22 12:10 | 2026-01-23 07:32 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-01/23/2026 <br>Ready for Review-Document Uploaded. - Buyer-01/22/2026 <br>Ready for Review-Document Uploaded. - Buyer-01/22/2026 <br>Open-As per Final 1003, REO 3C has refinanced recently with subject however only provided HOI. Please provided documentation to support PITIA or first payment letter - Due Diligence Vendor-01/22/2026 |  | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-01/23/2026<br>| FPL 64.pdf<br>FPL.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 7249229 | N/A | N/A |
| XXXXX | XXXX |  | 2123074 | Closed | 2026-01-26 14:20 | 2026-01-26 16:43 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/26/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/26/2026<br>|  |  |  | XX | Investment | Purchase | NA | 7302225 | Investor Post-Close | No |
| XXXXX | XXXX |  | 2126836 | Closed | 2026-01-27 08:31 | 2026-01-27 14:50 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/27/2026 <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/27/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/27/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 7310179 | Investor Post-Close | No |
| XXXXX | XXXX |  | 2126838 | Closed | 2026-02-02 12:24 | 2026-02-04 12:57 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-02/04/2026 <br>Ready for Review-Document Uploaded. - Buyer-02/04/2026 <br>Open-Housing History Does Not Meet Guideline Requirements The lender guideline 3.4.1 requires a VOR completed non-institutional party to verify prior 12 months canceled checks or bank statements verification. The file is missing prior 12 months canceled checks or bank statements. - Due Diligence Vendor-02/02/2026 |  | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-02/04/2026<br>| Exception.pdf |  | DTI 16%, 34%<50% max<br> Reserves 19 months, 13>6 min<br> Fico 790, 130>660 min | XX | Investment | Purchase | NA | 7402554 | Originator Pre-Close | Yes |
| XXXXX | XXXX |  | 2128042 | Closed | 2026-02-02 07:57 | 2026-02-03 11:13 | Resolved | 1 - Information | Credit | Missing Doc | HO6 Insurance Policy is Partial | Resolved-Documentation uploaded. Finding Resolved. - Due Diligence Vendor-02/03/2026 <br>Ready for Review-Document Uploaded. - Buyer-02/03/2026 <br>Open-HO-6 Insurance Policy Partially Provided HO-6 Insurance premium is missing in file - Due Diligence Vendor-02/02/2026 |  | Resolved-Documentation uploaded. Finding Resolved. - Due Diligence Vendor-02/03/2026<br>| Invoice.pdf |  |  | XX | Primary Residence | Purchase | NA | 7395259 | N/A | N/A |
| XXXXX | XXXX |  | 2126839 | Closed | 2026-02-03 06:59 | 2026-02-04 13:42 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided documentation of REO # 2. - Due Diligence Vendor-02/04/2026 <br>Ready for Review-Document Uploaded. - Buyer-02/04/2026 <br>Open-Required supporting documents for the REO-2 to verify the payments, since it included for the DTI calculation - Due Diligence Vendor-02/03/2026 |  | Resolved-Lender provided documentation of REO # 2. - Due Diligence Vendor-02/04/2026<br>| First Payment Letter.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 7413177 | N/A | N/A |
| XXXXX | XXXX |  | 2126840 | Closed | 2026-02-04 07:56 | 2026-02-05 08:31 | Resolved | 1 - Information | Credit | Eligibility | Appraisal Transfer Does Not Meet Guideline Requirements | Resolved-Lender provided documentation of the appraisal transfer. - Due Diligence Vendor-02/05/2026 <br>Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-02/05/2026 <br>Ready for Review-Document Uploaded. - Buyer-02/04/2026 <br>Open-Appraisal Transfer Does Not Meet Guideline Requirements. - Due Diligence Vendor-02/04/2026 |  | Resolved-Lender provided documentation of the appraisal transfer. - Due Diligence Vendor-02/05/2026 <br>Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-02/05/2026<br>| Invoice.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 7435895 | N/A | N/A |
| XXXXX | XXXX |  | 2126840 | Closed | 2026-02-04 07:28 | 2026-02-05 08:30 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Received At Least Four Business Days Before Consummation | Resolved-Lender provided documentation of LE being receive electronically. - Due Diligence Vendor-02/05/2026 <br> Resolved- - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. - Seller-02/05/2026 <br> Open-A revised Loan Estimate was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive a revised Loan Estimate not later than four business days prior to consummation date of (XX/XX/XXXX). Since the revised Loan Estimate was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. As a result, the revised Loan Estimate is not deemed to have been received at least four business days before consummation, which is (XX/XX/XXXX). (12 CFR 1026.19(e)(4)(ii)) The re-disclosed LE reflects a Date Issued of XX/XX/XXXX with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt is applied and borrower was not in receipt of re-disclosed LE 4 business days prior to consummation of XX/XX/XXXX. No Cure. - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 | Ready for Review-Document Uploaded. - Seller-02/05/2026<br>| Resolved-Lender provided documentation of LE being receive electronically. - Due Diligence Vendor-02/05/2026<br>| XXXXXXXXXX LE receipt.pdf<br> XXXXXXXXXX COC CD for Condo.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 7435472 | N/A | N/A |
| XXXXX | XXXX |  | 2126840 | Closed | 2026-02-04 07:28 | 2026-02-05 08:29 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Lender provided COC adding the condo review fee and condo questionnaire fee. - Due Diligence Vendor-02/05/2026 <br> Resolved-Resolved - Due Diligence Vendor-02/05/2026 <br> Open- - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. - Buyer-02/05/2026 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: HOA Certification Handling Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). HOA Certification Handling Fee on CD dated (XX/XX/XXXX) is ($XXX). LE dated (XX/XX/XXXX) lists fee as ($0). This fee is in a (0%) tolerance section. Lender tolerance cure of ($XXX) is required. Section J reflects ($0) tolerance cure that is insufficient as it was applied to the tolerance cure for the (HOA Certification Handling Fee). Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 |  | Resolved-Lender provided COC adding the condo review fee and condo questionnaire fee. - Due Diligence Vendor-02/05/2026 <br>Resolved-Resolved - Due Diligence Vendor-02/05/2026<br>| XXXXXXXXXX LE receipt.pdf<br> XXXXXXXXXX COC CD for Condo.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 7435471 | N/A | N/A |
| XXXXX | XXXX |  | 2126840 | Closed | 2026-02-04 07:28 | 2026-02-05 08:29 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (XXXX) | Resolved-Lender provided COC adding the condo review fee and condo questionnaire fee. - Due Diligence Vendor-02/05/2026 <br> Resolved-Resolved - Due Diligence Vendor-02/05/2026 <br> Open- - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. - Buyer-02/05/2026 <br> Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: HOA Certification Handling Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). HOA Certification Handling Fee on CD dated (XX/XX/XXXX) is ($XXX). LE dated (XX/XX/XXXX) lists fee as ($0). This fee is in a (0%) tolerance section. Lender tolerance cure of ($XXX) is required. Section J reflects ($0) tolerance cure that is insufficient as it was applied to the tolerance cure for the (HOA Certification Handling Fee). Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 |  | Resolved-Lender provided COC adding the condo review fee and condo questionnaire fee. - Due Diligence Vendor-02/05/2026 <br>Resolved-Resolved - Due Diligence Vendor-02/05/2026<br>| XXXXXXXXXX LE receipt.pdf<br> XXXXXXXXXX COC CD for Condo.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 7435469 | N/A | N/A |
| XXXXX | XXXX |  | 2126840 | Closed | 2026-02-04 13:08 | 2026-02-04 14:57 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/04/2026 <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/04/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/04/2026<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 7446132 | Investor Post-Close | No |
| XXXXX | XXXX |  | 2128036 | Closed | 2026-02-04 15:10 | 2026-02-05 14:47 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. - Buyer-02/05/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Per Lender Guide section 5.6.1.5, a 12-month housing history is required for the borrower's primary residence. While a "rent-free" letter was provided for the period starting XX/XXXXX, the accompanying Verification of Rent (VOR) covers XX/XXXX through XX/XX/XXXX. Because the VOR involves a private party, the guidelines require cancelled checks to validate the payments; however, these checks were not provided. - Due Diligence Vendor-02/04/2026 |  | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-02/05/2026<br>| XXXXXXXXXX.pdf |  | 1.20 DSCR, .20>1.00 min<br> 60% LTV, 15%<75% max<br> 706 FICO, 46>660 min | XX | Investment | Refinance | Cash Out - Other | 7448328 | Originator Pre-Close | Yes |
| XXXXX | XXXX |  | 2128036 | Closed | 2026-02-04 15:20 | 2026-02-05 07:29 | Resolved | 1 - Information | Compliance | Missing Doc | Invoice - Missing or Incomplete | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-02/05/2026 <br> Open-Invoice - Missing or Incomplete. Per lender guidelines, a copy of the $XXX appraisal invoice submitted to the original lender is required for transferred transactions. Audit was unable to locate this document in the file. - Due Diligence Vendor-02/04/2026 |  | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-02/05/2026<br>| Appraisal Invoice.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 7448644 | N/A | N/A |
| XXXXX | XXXX |  | 2128038 | Closed | 2026-02-03 14:06 | 2026-02-05 14:59 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. - Buyer-02/05/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Per Lender Guide section 5.6.1.5, a 12-month housing history is required for the borrower's primary residence. While a "rent-free" letter was provided for the period starting XX/XXXX, the accompanying Verification of Rent (VOR) covers XX/XXXX through XX/XX/XXXX. Because the VOR involves a private party, the guidelines require cancelled checks to validate the payments; however, these checks were not provided. - Due Diligence Vendor-02/03/2026 |  | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-02/05/2026<br>| XXXXXXXXXX.pdf |  | 1.24 DSCR, .24>1.00 min<br> 60% LTV, 15%<75% max<br> 706 FICO, 46>660 min | XX | Investment | Refinance | Cash Out - Other | 7424996 | Originator Pre-Close | Yes |
| XXXXX | XXXX |  | 2128038 | Closed | 2026-02-04 16:14 | 2026-02-05 07:39 | Resolved | 1 - Information | Compliance | Missing Doc | Invoice - Missing or Incomplete | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-02/05/2026 <br> Open-Invoice - Missing or Incomplete. Per lender guidelines, a copy of the $XXX appraisal invoice submitted to the original lender is required for transferred transactions. Audit was unable to locate this document in the file. - Due Diligence Vendor-02/04/2026 |  | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-02/05/2026<br>| Appraisal Invoice.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 7449757 | N/A | N/A |
| XXXXX | XXXX |  | 2128037 | Closed | 2026-02-03 13:47 | 2026-02-05 15:03 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. - Buyer-02/05/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Housing History: Per Lender Guide section 5.6.1.5, a 12-month housing history is required for the borrower's primary residence. While a "rent-free" letter was provided for the period starting XX/XXXXX, the accompanying Verification of Rent (VOR) covers XX/XXXX through XX/XX/XXXX. Because the VOR involves a private party, the guidelines require cancelled checks to validate the payments; however, these checks were not provided. - Due Diligence Vendor-02/03/2026 |  | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-02/05/2026<br>| XXXXXXXXXX.pdf |  | 1.32 DSCR, .32>1.00 min<br> 60% LTV, 15%<75% max<br> 706 FICO, 46>660 min | XX | Investment | Refinance | Cash Out - Other | 7424754 | Originator Post-Close | No |
| XXXXX | XXXX |  | 2128037 | Closed | 2026-02-04 16:59 | 2026-02-05 07:41 | Resolved | 1 - Information | Compliance | Missing Doc | Invoice - Missing or Incomplete | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-02/05/2026 <br> Open-Invoice - Missing or Incomplete. Per lender guidelines, a copy of the $XXX appraisal invoice submitted to the original lender is required for transferred transactions. Audit was unable to locate this document in the file. - Due Diligence Vendor-02/04/2026 |  | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-02/05/2026<br>| Appraisal Invoice.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 7450357 | N/A | N/A |
| XXXXX | XXXX |  | 2128039 | Closed | 2026-02-04 17:39 | 2026-02-05 14:43 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. - Buyer-02/05/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Per Lender Guide section 5.6.1.5, a 12-month housing history is required for the borrower's primary residence. While a "rent-free" letter was provided for the period starting XX/XXXX, the accompanying Verification of Rent (VOR) covers XX/XXXX through XX/XX/XXXX. Because the VOR involves a private party, the guidelines require cancelled checks to validate the payments; however, these checks were not provided. - Due Diligence Vendor-02/04/2026 |  | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-02/05/2026<br>| XXXXXXXXXX.pdf |  | 1.42 DSCR, .42>1.00 min<br> 60% LTV, 15%<75% max<br> 706 FICO, 46>660 min | XX | Investment | Refinance | Cash Out - Other | 7450873 | Originator Post-Close | No |
| XXXXX | XXXX |  | 2128039 | Closed | 2026-02-04 17:51 | 2026-02-05 07:44 | Resolved | 1 - Information | Compliance | Missing Doc | Invoice - Missing or Incomplete | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-02/05/2026 <br> Open-Invoice - Missing or Incomplete. Per lender guidelines, a copy of the $XXX appraisal invoice submitted to the original lender is required for transferred transactions. Audit was unable to locate this document in the file. - Due Diligence Vendor-02/04/2026 |  | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-02/05/2026<br>| Appraisal Invoice.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 7450971 | N/A | N/A |
| XXXXX | XXXX |  | 2128048 | Closed | 2026-02-04 18:32 | 2026-02-05 14:39 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. - Buyer-02/05/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Per Lender Guide section 5.6.1.5, a 12-month housing history is required for the borrower's primary residence. While a "rent-free" letter was provided for the period starting XX/XXXX, the accompanying Verification of Rent (VOR) covers XX/XXXX through XX/XX/XXXX. Because the VOR involves a private party, the guidelines require cancelled checks to validate the payments; however, these checks were not provided. - Due Diligence Vendor-02/05/2026 |  | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-02/05/2026<br>| XXXXXXXXXX.pdf |  | 1.29 DSCR, .29>1.00 min<br> 60% LTV, 10%<70% max<br> 706 FICO, 26>680 min | XX | Investment | Refinance | Cash Out - Other | 7451464 | Originator Post-Close | No |
| XXXXX | XXXX |  | 2128048 | Closed | 2026-02-04 18:41 | 2026-02-05 07:25 | Resolved | 1 - Information | Compliance | Missing Doc | Invoice - Missing or Incomplete | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Invoice - Missing or Incomplete. Document Uploaded. Per lender guidelines, a copy of the $XXX appraisal invoice submitted to the original lender is required for transferred transactions. Audit was unable to locate this document in the file. - Due Diligence Vendor-02/05/2026 |  | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-02/05/2026<br>| Appraisal Invoice.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 7451550 | N/A | N/A |
| XXXXX | XXXX |  | 2128040 | Closed | 2026-02-04 19:43 | 2026-02-05 14:35 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. - Buyer-02/05/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Per Lender Guide section 5.6.1.5, a 12-month housing history is required for the borrower's primary residence. While a "rent-free" letter was provided for the period starting XX/XXXX, the accompanying Verification of Rent (VOR) covers XX/XXXX through XX/XX/XXXX. Because the VOR involves a private party, the guidelines require cancelled checks to validate the payments; however, these checks were not provided. - Due Diligence Vendor-02/05/2026 |  | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-02/05/2026<br>| XXXXXXXXXX.pdf |  | 1.35 DSCR, .35>1.00 min<br> 65% LTV, 10%<75% max<br> 706 FICO, 46>660 min | XX | Investment | Refinance | Cash Out - Other | 7452471 | Originator Pre-Close | Yes |
| XXXXX | XXXX |  | 2128040 | Closed | 2026-02-04 19:50 | 2026-02-05 07:27 | Resolved | 1 - Information | Compliance | Missing Doc | Invoice - Missing or Incomplete | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-02/05/2026 <br> Open-Invoice - Missing or Incomplete. Per lender guidelines, a copy of the $XXX appraisal invoice submitted to the original lender is required for transferred transactions. Audit was unable to locate this document in the file. - Due Diligence Vendor-02/05/2026 |  | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-02/05/2026<br>| Appraisal Invoice.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 7452488 | N/A | N/A |
| XXXXX | XXXX |  | 2128047 | Closed | 2026-02-05 07:24 | 2026-02-05 14:27 | Resolved | 1 - Information | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-02/05/2026 <br>Ready for Review-Document Uploaded. - Buyer-02/05/2026 <br>Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-02/05/2026 |  | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-02/05/2026<br>| 1008 XXXXXXXXXX.pdf |  |  | XX | Second Home | Purchase | NA | 7460110 | N/A | N/A |
| XXXXX | XXXX |  | 2128047 | Closed | 2026-02-05 09:18 | 2026-02-05 12:02 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/05/2026 <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/05/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/05/2026<br>|  |  |  | XX | Second Home | Purchase | NA | 7464378 | Investor Post-Close | No |
| XXXXX | XXXX |  | 2128052 | Closed | 2026-02-06 16:53 | 2026-02-09 09:44 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-02/09/2026 <br>Ready for Review-Document Uploaded. - Buyer-02/07/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Because the VOR involves a private party, the guidelines require 12 months cancelled checks to validate the payments; however, only 2 could be located for B2. - Due Diligence Vendor-02/06/2026 |  | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-02/09/2026<br>| Exception.pdf |  | Fico 791,91>700<br> DSCR 1.133, 13% > 1.0<br> B1 Primary Free and Clear 21 Years | XX | Investment | Purchase | NA | 7500870 | Originator Post-Close | No |
| XXXXX | XXXX |  | 2128052 | Closed | 2026-02-06 17:22 | 2026-02-09 09:30 | Resolved | 1 - Information | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Resolved-For the account in question, audit verified a current balance of $XX,XXX.XX and an outgoing wire of $XX,XXX.XX to the title company. While full 60-day statements for this account are missing, the $XX,XXX opening transfer was seasoned and sourced from another account for 60 days. The wire transfer confirms the funds ($XX,XXX.XX) were sent by B1 from the account in question therefore audit was able to tie the borrowers name to the account, condition resolved. - Due Diligence Vendor-02/09/2026 <br> Resolved-Asset 5 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-02/09/2026 <br> Ready for Review-escalated - Buyer-02/07/2026 <br> Open-Asset 5 Does Not Meet Guideline Requirements Missing two months consecutive bank statements and proof of ownership for acct #XXXX. Audit could only locate a screen shot of the balance. - Due Diligence Vendor-02/06/2026 |  | Resolved-For the account in question, audit verified a current balance of $XX,XXX.XX and an outgoing wire of $XX,XXX.XX to the title company. While full 60-day statements for this account are missing, the $XX,XXX opening transfer was seasoned and sourced from another account for 60 days. The wire transfer confirms the funds ($XX,XXX.XX) were sent by B1 from the account in question therefore audit was able to tie the borrowers name to the account, condition resolved. - Due Diligence Vendor-02/09/2026 <br> Resolved-Asset 5 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-02/09/2026 | 1 Savings Account (XXXX) Image.pdf<br> 1 Withdrawal from Savings Bank Slip.pdf<br> Wire IN (CTRC) XXXXXX.XX XXXXXXXXXX XXXXXXX XXXXXX XXXXX XXXXXX XXX.pdf<br> 1 Business Account (XXXX) Image.pdf<br> 1 Deposit to Business Checking Slip.pdf |  |  | XX | Investment | Purchase | NA | 7501049 | N/A | N/A |
| XXXXX | XXXX |  | 2128034 | Closed | 2026-02-05 09:25 | 2026-02-09 10:29 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Borrower refinanced XXXXXXXX XX XX and netted over XXX, per lender guidelines 4.3, net proceeds from a cash out transaction may be used to meet reserves requirements. - Due Diligence Vendor-02/09/2026 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXX.XX is equal to or greater than Total Required Reserve Amount of $XXXXX.XX - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. HUD with proceeds from simultaneous closing - Buyer-02/07/2026 <br> Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $19263.24 - Due Diligence Vendor-02/05/2026 |  | Resolved-Borrower refinanced XXXXXXXX XX XX and netted over XXX, per lender guidelines 4.3, net proceeds from a cash out transaction may be used to meet reserves requirements. - Due Diligence Vendor-02/09/2026 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXX.XX is equal to or greater than Total Required Reserve Amount of $19263.24 - Due Diligence Vendor-02/09/2026 | HUD from XXXXXXXXXX.pdf |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 7464638 | N/A | N/A |
| XXXXX | XXXX |  | 2128034 | Closed | 2026-02-05 09:30 | 2026-02-09 10:28 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Borrower refinanced XXXXXXXX XX XX and netted over XXX, per lender guidelines 4.3, net proceeds from a cash out transaction may be used to meet reserves requirements. <br> - Due Diligence Vendor-02/09/2026 <br> Resolved-Audited Reserves of 25.07 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. HUD with proceeds from simultaneous closing - Buyer-02/07/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-02/05/2026 |  | Resolved-Borrower refinanced XXXXXXXXX XX XX and netted over XXX, per lender guidelines 4.3, net proceeds from a cash out transaction may be used to meet reserves requirements. <br> - Due Diligence Vendor-02/09/2026 <br> Resolved-Audited Reserves of 25.07 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-02/09/2026 | HUD from XXXXXXXXXX.pdf |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 7464785 | N/A | N/A |
| XXXXX | XXXX |  | 2128033 | Closed | 2026-02-05 09:18 | 2026-02-09 10:50 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 44.77 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-02/09/2026 <br>Ready for Review-Document Uploaded. HUD with proceeds from simultaneous closing - Buyer-02/07/2026 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) . - Due Diligence Vendor-02/05/2026 |  | Resolved-Audited Reserves of 44.77 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-02/09/2026<br>| HUD from XXXXXXXXXX.pdf |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 7464389 | N/A | N/A |
| XXXXX | XXXX |  | 2128033 | Closed | 2026-02-05 09:12 | 2026-02-09 10:46 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Borrower refinanced XXXXXXX XX XX and netted over XXX, per lender guidelines 4.3, net proceeds from a cash out transaction may be used to meet reserves requirements. - Due Diligence Vendor-02/09/2026 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $80480.52 is equal to or greater than Total Required Reserve Amount of $10786.26 - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. HUD with proceeds from simultaneous closing - Buyer-02/07/2026 <br> Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $10786.26 - Due Diligence Vendor-02/05/2026 |  | Resolved-Borrower refinanced XXXXXXXXX XX XX and netted over XXX, per lender guidelines 4.3, net proceeds from a cash out transaction may be used to meet reserves requirements. - Due Diligence Vendor-02/09/2026 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $80480.52 is equal to or greater than Total Required Reserve Amount of $10786.26 - Due Diligence Vendor-02/09/2026 | HUD from XXXXXXXXXX.pdf |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 7464186 | N/A | N/A |
| XXXXX | XXXX |  | 2128053 | Closed | 2026-02-09 10:41 | 2026-02-09 11:25 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/09/2026 <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/09/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/09/2026<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7518192 | Investor Post-Close | No |
| XXXXX | XXXX |  | 2132463 | Closed | 2026-02-13 05:59 | 2026-02-13 15:03 | Resolved | 1 - Information | Credit | Missing Doc | Final HUD/Settlement Statement Not Provided | Resolved-Certified final settlement statement provided, condition resolved. - Due Diligence Vendor-02/13/2026 <br>Ready for Review-Document Uploaded. - Buyer-02/13/2026 <br>Open-The final HUD/Settlement Statement is missing. Audit could only locate the estimated settlement statement. - Due Diligence Vendor-02/13/2026 |  | Resolved-Certified final settlement statement provided, condition resolved. - Due Diligence Vendor-02/13/2026<br>| HUD.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 7604110 | N/A | N/A |
| XXXXX | XXXX |  | 2132463 | Closed | 2026-02-13 12:44 | 2026-02-13 15:01 | Waived | 2 - Non-Material | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. - Buyer-02/13/2026 <br> Open-Cash Out Does Not Meet Guideline Requirements Per lender guidelines, the maximum cash out permitted is $XXXX, borrower received $X,XXX,XXX.XX. - Due Diligence Vendor-02/13/2026 |  | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-02/13/2026<br>| Exception.pdf |  | Fico 771, 111 points min required 660<br> Borrower has own reserves of 60 mons, min required is 6<br> Primary housing history 0x30x64 min required 0x30x12<br> Experienced Investor >5 years | XX | Investment | Refinance | Cash Out - Other | 7614952 | Originator Pre-Close | Yes |
| XXXXX | XXXX |  | 2132463 | Closed | 2026-02-13 05:58 | 2026-02-13 15:00 | Waived | 2 - Non-Material | Credit | Eligibility | Ineligible Property Type | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-02/13/2026 <br>Ready for Review-Document Uploaded. - Buyer-02/13/2026 <br>Open-Property type is ineligible due to As per Guideline, the eligible Properties are: SFR, 1 - 4 Units, PUD, Condo, Non-Warrantable Condo, Condotel, But we have 6 units which is ineligible.. The property is ineligible because it contains 6 units. According to lender guidelines, eligible property types are limited to 1–4 units, SFRs, PUDs, condos, non-warrantable condos, and condotels. - Due Diligence Vendor-02/13/2026 |  | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-02/13/2026<br>| Exception.pdf |  | Fico 771, 111 points min required 660<br> Borrower has own reserves of 60 mons, min required is 6<br> Primary housing history 0x30x64 min required 0x30x12<br> Experienced Investor >5 years | XX | Investment | Refinance | Cash Out - Other | 7604105 | Originator Pre-Close | Yes |
| XXXXX | XXXX |  | 2132462 | Closed | 2026-02-13 14:44 | 2026-02-16 13:27 | Resolved | 1 - Information | Credit | Eligibility | Appraisal Transfer Does Not Meet Guideline Requirements | Resolved-Executed transfer letter provided, condition resolved. - Due Diligence Vendor-02/16/2026 <br>Ready for Review-Document Uploaded. - Buyer-02/13/2026 <br>Open-Appraisal Transfer Does Not Meet Guideline Requirements. Executed appraisal transfer letter could not be located. - Due Diligence Vendor-02/13/2026 |  | Resolved-Executed transfer letter provided, condition resolved. - Due Diligence Vendor-02/16/2026<br>| Transfer.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 7617527 | N/A | N/A |
| XXXXX | XXXX |  | 2132462 | Closed | 2026-02-13 14:42 | 2026-02-16 13:26 | Resolved | 1 - Information | Compliance | Missing Doc | Invoice - Missing or Incomplete | Resolved-Invoice provided, condition resolved. - Due Diligence Vendor-02/16/2026 <br>Ready for Review-Document Uploaded. - Buyer-02/13/2026 <br>Open-Invoice - Missing or Incomplete. Copy of the invoice submitted to the original lender could not be located. - Due Diligence Vendor-02/13/2026 |  | Resolved-Invoice provided, condition resolved. - Due Diligence Vendor-02/16/2026<br>| Invoice.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 7617480 | N/A | N/A |
| XXXXX | XXXX |  | 2132465 | Closed | 2026-02-16 04:19 | 2026-02-18 07:48 | Resolved | 1 - Information | Property | Appraisal | Appraisal is Expired | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Document Uploaded. - Buyer-02/17/2026 <br>Open-Primary Value Appraisal is Expired The appraisal effective date is more than 120 days from the Note date and guidelines require an Appraisal Update and/or Completion Report (Form 1004D) when more than 120 days from the Note date. The file is missing Form 1004D. - Due Diligence Vendor-02/16/2026 |  | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-02/18/2026<br>| XXXXXXXXXX Revised Appraisal with correct signature date.pdf |  |  | XX | Primary Residence | Purchase | NA | 7628290 | N/A | N/A |

---

## Exhibit 99.10

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.10 - Schedule 2**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX |  | 2086335 | $XXXXXXXX A B |
| XXXX |  | 2117068 | $XXXXXXXX C A B |
| XXXX |  | 2120682 | $XXXXXXXX D A B |
| XXXX |  | 2117063 | $XXXXXXXX C A |
| XXXX |  | 2117061 | $XXXXXXXX A D B |
| XXXX |  | 2117071 | $XXXXXXXX C D A |
| XXXX |  | 2117064 | $XXXXXXXX A |
| XXXX |  | 2120678 | $XXXXXXXX A B |
| XXXX |  | 2120681 | $XXXXXXXX A B |
| XXXX |  | 2120676 | $XXXXXXXX A B C |
| XXXX |  | 2123067 | $XXXXXXXX D C A |
| XXXX |  | 2123068 | $XXXXXXXX C A |
| XXXX |  | 2123065 | $XXXXXXXX D C A B |
| XXXX |  | 2123069 | $XXXXXXXX A |
| XXXX |  | 2126832 | $XXXXXXXX D A |
| XXXX |  | 2126831 | $XXXXXXXX D A |
| XXXX |  | 2123073 | $XXXXXXXX A |
| XXXX |  | 2123074 | $XXXXXXXX A B |
| XXXX |  | 2126833 | $XXXXXXXX A |
| XXXX |  | 2126836 | $XXXXXXXX A B |
| XXXX |  | 2128044 | $XXXXXXXX A |
| XXXX |  | 2126837 | $XXXXXXXX A |
| XXXX |  | 2126838 | $XXXXXXXX C A B |
| XXXX |  | 2128042 | $XXXXXXXX D A |
| XXXX |  | 2126839 | $XXXXXXXX D A |
| XXXX |  | 2128043 | $XXXXXXXX A |
| XXXX |  | 2126840 | $XXXXXXXX C A B |
| XXXX |  | 2128036 | $XXXXXXXX D A B |
| XXXX |  | 2128038 | $XXXXXXXX D A B |
| XXXX |  | 2128037 | $XXXXXXXX D A B |
| XXXX |  | 2128039 | $XXXXXXXX D A B |
| XXXX |  | 2128048 | $XXXXXXXX C D A B |
| XXXX |  | 2128040 | $XXXXXXXX C D A B |
| XXXX |  | 2128035 | $XXXXXXXX A |
| XXXX |  | 2128047 | $XXXXXXXX D A B |
| XXXX |  | 2128031 | $XXXXXXXX A |
| XXXX |  | 2128052 | $XXXXXXXX C A B |
| XXXX |  | 2128034 | $XXXXXXXX C A |
| XXXX |  | 2128041 | $XXXXXXXX A |
| XXXX |  | 2128051 | $XXXXXXXX A |
| XXXX |  | 2128033 | $XXXXXXXX C A |
| XXXX |  | 2128032 | $XXXXXXXX A |
| XXXX |  | 2128053 | $XXXXXXXX A B |
| XXXX |  | 2128050 | $XXXXXXXX A |
| XXXX |  | 2132463 | $XXXXXXXX D A B |
| XXXX |  | 2132462 | $XXXXXXXX C D A |
| XXXX |  | 2132465 | $XXXXXXXX A C |
| XXXX |  | 2132464 | $XXXXXXXX A |
| XXXX |  | 2132466 | $XXXXXXXX A |
| XXXX |  | 2132469 | $XXXXXXXX A |
| XXXX |  | 2132468 | $XXXXXXXX A |

---

## Exhibit 99.10

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.10 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM DTI/Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXXX |  | 2086335 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.317 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXXX | N/A | Employed |  | No |  | No |  |
| XXXX |  | 2117068 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.07 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXXX | N/A | Employed |  | No |  | No |  |
| XXXX |  | 2120682 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 7.478 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXXXX | N/A | Employed | Employed | No | No | Yes | Present |
| XXXX |  | 2117063 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.711 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXXX | N/A | Employed | Employed | No | No | No |  |
| XXXX |  | 2117061 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.448 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXXX | N/A | Employed |  | Yes |  | No |  |
| XXXX |  | 2117071 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.159 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXXX | N/A | Employed |  | No |  | No |  |
| XXXX |  | 2117064 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.904 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXXX | N/A | Employed |  | No |  | No |  |
| XXXX |  | 2120678 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.033 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXXX | N/A | Employed |  | No |  | No |  |
| XXXX |  | 2120681 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.72 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXXX | N/A | Employed |  | No |  | No |  |
| XXXX |  | 2120676 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.177 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXXX | N/A | Employed |  | No |  | No |  |
| XXXX |  | 2123067 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.046 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXXX | N/A | Employed |  | No |  | No |  |
| XXXX |  | 2123068 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.604 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXXX | N/A | Employed |  | No |  | No |  |
| XXXX |  | 2123065 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.035 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | No | Yes | $XXXXXXX | N/A | Employed |  | No |  | No |  |
| XXXX |  | 2123069 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.655 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXXX | N/A | Employed |  | No |  | No |  |
| XXXX |  | 2126832 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | Yes | No | No | No | Not Tested | 0 | 7.192 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXXXX | N/A | Employed | Employed | No | No | Yes | Present |
| XXXX |  | 2126831 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | Yes | No | No | No | Not Tested | 0 | 7.277 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXXXX | N/A | Employed | Employed | No | No | Yes | Present |
| XXXX |  | 2123073 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.367 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXXX | N/A | Employed |  | No |  | No |  |
| XXXX |  | 2123074 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | Yes | Yes | No | No | No | Not Tested | 0 | 7.704 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXXXX | N/A | Employed | Retired | No | No | Yes | Present |
| XXXX |  | 2126833 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | Yes | No | No | No | Not Tested | 0 | 8.14 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXXXX | N/A | Employed |  | No |  | Yes | Present |
| XXXX |  | 2126836 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.645 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXXX | N/A | Employed |  | No |  | No |  |
| XXXX |  | 2128044 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX |  | 2126837 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2126838 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | Yes | No | No | No | Not Tested | 0 | 7.756 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXXXX | N/A | Employed |  | No |  | Yes | Present |
| XXXX |  | 2128042 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.167 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | No | Yes | $XXXXXXX | N/A | Employed |  | No |  | No |  |
| XXXX |  | 2126839 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | Yes | No | No | No | Not Tested | 0 | 6.558 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXXXX | N/A | Employed |  | No |  | Yes | Present |
| XXXX |  | 2128043 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.944 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXXX | N/A | Employed | Employed | No | No | No |  |
| XXXX |  | 2126840 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 7.824 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXXX | N/A | Employed |  | No |  | No |  |
| XXXX |  | 2128036 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2128038 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2128037 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2128039 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2128048 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2128040 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2128035 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| XXXX |  | 2128047 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.919 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXXX | N/A | Employed |  | No |  | No |  |
| XXXX |  | 2128031 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2128052 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX |  | 2128034 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2128041 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2128051 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2128033 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2128032 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2128053 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.5 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXXX | N/A | Employed |  | No |  | No |  |
| XXXX |  | 2128050 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2132463 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2132462 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2132465 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.772 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXXX | N/A | Employed |  | No |  | No |  |
| XXXX |  | 2132464 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2132466 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| XXXX |  | 2132469 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2132468 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |

---

## Exhibit 99.10

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.10 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Subordinate Lien 2 Type** | **Subordinate Lien 2 Max Draw Amount (HELOC)** | **Subordinate Lien 3 Type** | **Subordinate Lien 3 Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Maturity Date** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| XXXX |  | 2086335 | XXX 14 Prime Plus - 30yr Fixed | XXX 14 Prime Plus - 30yr Fixed | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX |  | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XXXX | 6.930% | Manual Underwriting | Manual Underwriting | No | 8.317% |  | 8.000% | 8.000% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $7677.19 | $XXXXXX | N/A |  |  | $0.00 |  |  | 19.78% | 19.78% | 19.78% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 - 2024 | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 674 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 1 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | 496648.43 | 64.7 | No | 53.33 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2117068 | XXX - 18 Prime 30 Year Fixed (Bank Statement) | XXX - 18 Prime 30 Year Fixed (Bank Statement) | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XXXX | 6.270% | Manual Underwriting | Manual Underwriting | No | 7.070% |  | 6.625% | 6.625% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $2731.11 | $XXXXXX | N/A |  |  | $0.00 |  |  | 28.95% | 28.95% | 28.95% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 775 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2120682 | XXX 18 Prime Minus Investment 30 Year Fixed | XXX 18 Prime Minus Investment 30 Year Fixed | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | v1 | XX/XX/XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 7.250% | 7.250% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $5196.02 | $XXXXXX | N/A | XXXXX | XX | $XXXXX | XX/XX/XXXX | Annually | 46.27% | 46.27% | 46.27% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 1 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 6 | 5 | FNMA 1005 | Yes | 57 | 34 | Work Number | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage, Overtime, Bonus - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024"] - 2023, 2024 | Borrower - 2 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024"] - 2023, 2024 | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 39218.86 | 7.6 | 39218.86 | 7.6 | No | 75 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2117063 | XXX - 18 Prime 30 Year Fixed (Full Doc) | XXX - 18 Prime 30 Year Fixed (Full Doc) | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XXXX | 6.190% | Manual Underwriting | Manual Underwriting | No | 7.711% |  | 7.375% | 7.375% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $1939.82 | $XXXXXX | N/A |  |  | $0.00 |  |  | 42.72% | 42.72% | 42.72% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 1 | 1 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Retirement, SSI and Disability, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 60847.79 | 31.4 | 60847.79 | 31.4 | No | 85 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2117061 | XXX - 18 Foreign National 30 Year Fixed | XXX - 18 Foreign National 30 Year Fixed | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 7.448% |  | 7.125% | 7.125% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $5040.02 | $XXXXXX | N/A |  |  | $0.00 |  |  | 3.09% | 2.93% | 2.93% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 35 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | Foreign National | Foreign National | N/A | Passport |  | XX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Work Visa |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 96064.79 | 19.1 | 96064.79 | 19.1 | No | 70 | N/A | No | No | No | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2117071 | XXX - 18 Prime 30 Year Fixed (Bank Statement) | XXX - 18 Prime 30 Year Fixed (Bank Statement) | XXXXXXX | No | NonQM Underwriting & Sales Guide | XXXXXXX | 10/01/2025 | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XXXX | 6.250% | Manual Underwriting | Manual Underwriting | No | 8.159% |  | 7.875% | 7.875% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $6035.60 | $XXXXXX | N/A | XXXXX | XX | $XXXXX | XX/XX/XXXX | Annually | 18.51% | 18.44% | 18.44% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 13 | No |  |  |  | 100.00% | 60.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 713 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 113313.30 | 18.8 | 112813.30 | 18.7 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2117064 | XXX - 18 Prime 30 Year Fixed (Bank Statement) | XXX - 18 Prime 30 Year Fixed (Bank Statement) | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XXXX | 6.190% | Manual Underwriting | Manual Underwriting | No | 6.904% |  | 6.250% | 6.250% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $3127.49 | $XXXXXX | Yes | XXXXX | XX | $XXXXX | XX/XX/XXXX | Annually | 29.07% | 29.31% | 29.31% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 789 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 26954.37 | 8.6 | 26954.37 | 8.6 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2120678 | XXX - 18 Prime 30 Year Fixed (Bank Statement) | XXX - 18 Prime 30 Year Fixed (Bank Statement) | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XXXX | 6.270% | Manual Underwriting | Manual Underwriting | No | 7.033% |  | 6.625% | 6.625% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $3567.40 | $XXXXXX | N/A |  |  | $0.00 |  |  | 40.75% | 40.75% | 40.75% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | Yes | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 82.76% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other - 3 YRS Executed 4506T Verified, Award Letter Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 753 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 56374.96 | 15.8 | 56374.96 | 15.8 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2120681 | XXX - 18 Prime 30 Year Fixed (Bank Statement) | XXX - 18 Prime 30 Year Fixed (Bank Statement) | XXXXXXX | No | NonQM Underwriting & Sales Guide | XXXXXXX | 10/01/2025 | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XXXX | 6.250% | Manual Underwriting | Manual Underwriting | No | 7.720% |  | 7.625% | 7.625% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $10259.70 | $XXXXXX | N/A |  |  | $0.00 |  |  | 26.41% | 26.41% | 26.41% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 741 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | 138969.82 | 13.6 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX | XXXXXX |  |  |  |
| XXXX |  | 2120676 | XXX - 18 Prime 15 Year Fixed (Bank Statement) | XXX - 18 Prime 15 Year Fixed (Bank Statement) | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XXXX | 5.770% | Manual Underwriting | Manual Underwriting | No | 7.177% |  | 6.500% | 6.500% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $6543.72 | $XXXXXX | N/A |  |  | $0.00 |  |  | 17.23% | 17.23% | 17.23% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 691 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 29422.01 | 4.5 | 29422.01 | 4.5 | No | 42.23 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2123067 | XXX - 18 Prime 30 Year Fixed (Bank Statement) | XXX - 18 Prime 30 Year Fixed (Bank Statement) | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XXXX | 6.250% | Manual Underwriting | Manual Underwriting | No | 8.046% |  | 7.750% | 7.750% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $11504.02 | $XXXXXX | N/A | XXXXX | XX | $XXXXX | XX/XX/XXXX | Annually | 33.83% | 33.83% | 33.83% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 97627.75 | 8.5 | 97627.75 | 8.5 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2123068 | XXX - 18 Prime 30 Year Fixed (Bank Statement) | XXX - 18 Prime 30 Year Fixed (Bank Statement) | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XXXX | 6.250% | Manual Underwriting | Manual Underwriting | No | 7.604% |  | 7.250% | 7.250% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $2274.20 | $XXXXXX | N/A | XXXXX | XX | $XXXXX | XX/XX/XXXX | Annually | 42.32% | 42.30% | 42.30% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025"] - 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 21997.94 | 9.7 | 21997.94 | 9.7 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2123065 | XXX - 18 Prime 30 Year Fixed (Bank Statement) | XXX - 18 Prime 30 Year Fixed (Bank Statement) | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XXXX | 6.260% | Manual Underwriting | Manual Underwriting | No | 7.035% |  | 6.625% | 6.625% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $5139.92 | $XXXXXX | N/A | XXXXX | XX | $XXXXX | XX/XX/XXXX | Monthly | 31.76% | 31.35% | 31.35% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 38103.75 | 7.4 | 38103.75 | 7.4 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2123069 | XXX - 18 Prime 30 Year Fixed (Full Doc) | XXX - 18 Prime 30 Year Fixed (Full Doc) | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 6.655% |  | 5.750% | 5.750% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $3617.14 | $XXXXXX | Yes | XXXXX | XX | $XXXXX | XX/XX/XXXX | Monthly | 44.04% | 44.36% | 44.36% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 2 | 2 |  |  | 3 | 2 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023"] - 2024, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023"] - 2024, 2023 | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 812 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 339415.89 | 93.8 | 339415.89 | 93.8 | No | 70 | No | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2126832 | XXX - 18 Prime Minus Investment 30 Year Fixed (Grade A) | XXX - 18 Prime Minus Investment 30 Year Fixed (Grade A) | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 7.192% |  | 7.125% | 7.125% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $5822.11 | $XXXXXX | N/A | XXXXX | XX | $XXXXX | XX/XX/XXXX | Annually | 38.40% | 39.88% | 39.88% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 2 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 53.73% | 49.00% | 51.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Business Bank Statements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - SEPartnership - 1 YR Executed 4506T Verified, Business Bank Statements Verified | Borrower - 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 1 YR Executed 4506T Verified | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 37632.02 | 6.5 | 497438.69 | 85.4 | No | 70 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2126831 | XXX - 18 Prime Minus Investment 30 Year Fixed (Grade A) | XXX - 18 Prime Minus Investment 30 Year Fixed (Grade A) | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 7.277% |  | 7.125% | 7.125% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $2329.49 | $XXXXXX | Yes | XXXXX | XX | $XXXXX | XX/XX/XXXX | Monthly | 38.33% | 39.81% | 39.81% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 53.73% | 49.00% | 51.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Business Bank Statements Verified, Lease Agreements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - SECorporation - 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | .00 | 0 | 173027.01 | 74.3 | No | 70 | Yes | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2123073 | XXX - 18 Prime 30 Year Fixed (Full Doc) | XXX - 18 Prime 30 Year Fixed (Full Doc) | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XXXX | 6.190% | Manual Underwriting | Manual Underwriting | No | 6.367% |  | 6.500% | 6.500% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $1488.56 | $XXXXXX | N/A |  |  | $0.00 |  |  | 46.13% | 46.13% | 46.13% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 0 |  |  | 1 | 1 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] - 2024 | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 720 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | .00 | 0 | No | 45.16 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2123074 | XXX - 18 Prime Minus Investment 30 Year Fixed I/O (Grade A) | XXX - 18 Prime Minus Investment 30 Year Fixed I/O (Grade A) | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 7.704% |  | 7.375% | 7.375% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $7040.67 | $XXXXXX | Yes | XXXXX | XX | $XXXXX | XX/XX/XXXX | Monthly | 19.68% | 21.22% | 21.22% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Retired |  |  |  |  | Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 2 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 38.12% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Business Tax Returns Verified(1065, K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023"] - 2024, 2023 \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Business Tax Returns Verified(1065, K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023"] - 2024, 2023 \|\| Co Borrower - 2 YRS Executed 4506T Verified | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 791 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 570994.27 | 81.1 | 570994.27 | 81.1 | No | 73.3 | No | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2126833 | XXX - 18 Prime Minus Investment 30 Year Fixed (Grade B) | XXX - 18 Prime Minus Investment 30 Year Fixed (Grade B) | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 8.140% |  | 7.875% | 7.875% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $8571.90 | $XXXXXX | N/A |  |  | $0.00 |  |  | 6.54% | 6.21% | 6.21% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 698 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 102996.52 | 12 | 102996.52 | 12 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2126836 | XXX - 18 Prime Minus 30 Year Fixed (Grade A) | XXX - 18 Prime Minus 30 Year Fixed (Grade A) | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XXXX | 6.190% | Manual Underwriting | Manual Underwriting | No | 8.645% |  | 8.375% | 8.375% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $1846.19 | $XXXXXX | N/A |  |  | $0.00 |  |  | 38.89% | 38.89% | 38.89% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | Less than 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 71 | 24 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 646 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 11993.43 | 6.5 | 11993.43 | 6.5 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2128044 | XXX -18 Investor DSCR 30 Year Fixed | XXX -18 Investor DSCR 30 Year Fixed | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $1398.23 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.162 | 1.162 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  |  | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 36106.43 | 25.8 | 36106.43 | 25.8 | No | 75 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2126837 | XXX -18 Investor DSCR 30 Year Fixed I/O | XXX -18 Investor DSCR 30 Year Fixed I/O | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $3028.35 |  | N/A | XXXXX | XX | $XXXXX | XX/XX/XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.759 | 0.75 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 714 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 201150.11 | 66.4 | No | 68.21 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2126838 | XXX - 18 Prime Minus Investment 30 Year Fixed (Grade A) | XXX - 18 Prime Minus Investment 30 Year Fixed (Grade A) | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 7.756% | $0.00 | 7.250% | 7.250% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $1623.33 | $XXXXXX | N/A |  |  | $0.00 |  |  | 25.91% | 25.91% | 25.91% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 790 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 6484.01 | 4 | 6484.01 | 4 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2128042 | XXX - 18 Prime 30 Year Fixed (Bank Statement) | XXX - 18 Prime 30 Year Fixed (Bank Statement) | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XXXX | 6.250% | Manual Underwriting | Manual Underwriting | No | 7.167% |  | 6.875% | 6.875% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $3029.32 | $XXXXXX | Yes | XXXXX | XX | $XXXXX | XX/XX/XXXX | Monthly | 49.37% | 49.37% | 49.37% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - ["2025"] - 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 40536.34 | 13.4 | 40536.34 | 13.4 | No | 80 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2126839 | XXX - 18 Prime Minus Investment 30 Year Fixed (Grade A) | XXX - 18 Prime Minus Investment 30 Year Fixed (Grade A) | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 6.558% |  | 6.375% | 6.375% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $2396.70 | $XXXXXX | N/A |  |  | $0.00 |  |  | 37.67% | 37.67% | 37.67% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | .00 | 0 | 140863.65 | 58.8 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2128043 | XXX - 18 Prime 30 Year Fixed (Full Doc) | XXX - 18 Prime 30 Year Fixed (Full Doc) | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XXXX | 6.250% | Manual Underwriting | Manual Underwriting | No | 7.944% |  | 7.375% | 7.375% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $1221.61 | $XXXXXX | N/A |  |  | $0.00 |  |  | 45.46% | 45.56% | 45.56% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 2 | 2 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 100.00% |  | Audited | 11 | CPA | Audited | CPA | 11 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 709 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 44218.25 | 36.2 | 44218.25 | 36.2 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2126840 | XXX 10 Prime Alt Doc - 30 Yr Fixed 10 Yr IO | XXX 10 Prime Alt Doc - 30 Yr Fixed 10 Yr IO | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XXXX | 6.060% | Manual Underwriting | Manual Underwriting | No | 7.824% |  | 7.625% | 7.625% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $6191.44 | $XXXXXX | Yes | XXXXX | XX | $XXXXX | XX/XX/XXXX | Annually | 43.01% | 39.16% | 48.61% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025"] - 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 376757.67 | 60.9 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2128036 | XXX -18 Investor DSCR 30 Year Fixed | XXX -18 Investor DSCR 30 Year Fixed | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $1201.79 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.207 | 1.207 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 706 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 25162.53 | 20.9 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2128038 | XXX-18 Investor DSCR 30 Year Fixed | XXX-118 Investor DSCR 30 Year Fixed | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $1200.16 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.25 | 1.249 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 706 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 10709.08 | 8.9 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2128037 | XXX -18 Investor DSCR 30 Year Fixed | XXX -18 Investor DSCR 30 Year Fixed | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $1098.42 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.184 | 1.32 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 706 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 16710.36 | 15.2 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2128039 | XXX -18 Investor DSCR 30 Year Fixed | XXX -18 Investor DSCR 30 Year Fixed | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $1090.23 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.422 | 1.42 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 706 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 17195.00 | 15.8 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2128048 | XXX -18 Investor DSCR 30 Year Fixed | XXX -18 Investor DSCR 30 Year Fixed | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $1160.59 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.206 | 1.28 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 706 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 15779.90 | 13.6 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2128040 | XXX -18 Investor DSCR 30 Year Fixed | XXX -18 Investor DSCR 30 Year Fixed | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $1032.32 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.259 | 1.356 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 706 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 12265.09 | 11.9 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2128035 | XXX - 18 Foreign National 30 Year Fixed | XXX - 18 Foreign National 30 Year Fixed | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $3691.26 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.138 | 1.138 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Foreign National | Foreign National | N/A | Passport |  | XX | United States | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 320631.46 | 86.9 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2128047 | XXX - 18 Prime 30 Year Fixed (Bank Statement) | XXX - 18 Prime 30 Year Fixed (Bank Statement) | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 6.919% |  | 6.750% | 6.750% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $2220.03 | $XXXXXX | Yes | XXXXX | XX | $XXXXX | XX/XX/XXXX | Annually | 29.84% | 29.84% | 29.84% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 29736.55 | 13.4 | 29736.55 | 13.4 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2128031 | XXX -18 Investor DSCR 30 Year Fixed | XXX -18 Investor DSCR 30 Year Fixed | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.625% | 6.625% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $1914.49 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.752 | 0.755 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 159286.24 | 83.2 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2128052 | XXX 18 Investor DSCR 30 Yr Fixed | XXX 18 Investor DSCR 30 yr Fixed | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.000% | 7.000% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $3864.60 |  | Yes | XXXXX | XX | $XXXXX | XX/XX/XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.133 | 1.133 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 791 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 58414.99 | 15.1 | 58414.99 | 15.1 | No | 75 | Yes | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2128034 | XXX -18 Investor DSCR 30 Year Fixed | XXX -18 Investor DSCR 30 Year Fixed | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $3210.54 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.495 | 1.495 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 80480.52 | 25.1 | 80480.52 | 25.1 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2128041 | XXX -18 Investor DSCR 30 Year Fixed | XXX -18 Investor DSCR 30 Year Fixed | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $851.17 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.674 | 1.674 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 699 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 41608.72 | 48.9 | 41608.72 | 48.9 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2128051 | XXX -18 Investor DSCR 30 Year Fixed | XXX -18 Investor DSCR 30 Year Fixed | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.625% | 6.625% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $1996.76 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.102 | 1.102 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 223845.98 | 112.1 | No | 74.77 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2128033 | XXX -18 Investor DSCR 30 Year Fixed | XXX -18 Investor DSCR 30 Year Fixed | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $1797.71 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.068 | 1.068 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 80480.52 | 44.8 | 80480.52 | 44.8 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2128032 | XXX -18 Investor DSCR 30 Year Fixed | XXX -18 Investor DSCR 30 Year Fixed | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.625% | 6.625% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $1724.29 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.334 | 1.333 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 47324.88 | 27.5 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2128053 | XXX - 18 Prime 30 Year Fixed (Bank Statement) | XXX - 18 Prime 30 Year Fixed (Bank Statement) | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XXXX | 6.060% | Manual Underwriting | Manual Underwriting | No | 6.500% |  | 6.500% | 6.500% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $5735.12 | $XXXXXX | Yes | XXXXX | XX | $XXXXX | XX/XX/XXXX | Monthly | 36.00% | 38.47% | 38.47% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025"] - 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 48155.79 | 8.4 | 48155.79 | 8.4 | No | 68.63 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2128050 | XXX -18 Investor DSCR 30 Year Fixed | XXX -18 Investor DSCR 30 Year Fixed | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $2901.34 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.172 | 1.172 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 694 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 254718.52 | 87.8 | No | 55 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2132463 | XXX -18 Investor DSCR 30 Year Fixed | XXX -18 Investor DSCR 30 Year Fixed | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $11609.84 |  | N/A | XXXXX | XX | $XXXXX | XX/XX/XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.289 | 1.288 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Passport |  | XX | United States | XX/XX/XXXX | USA | XX/XX/XXXX | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 838091.21 | 72.2 | 2017244.16 | 173.8 | No | 48.08 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2132462 | XXX -18 Investor DSCR 30 Year Fixed | XXX -18 Investor DSCR 30 Year Fixed | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $1446.39 |  | N/A | XXXXX | XX | $XXXXX | XX/XX/XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.054 | 1.054 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 99939.71 | 69.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2132465 | XXX - 18 Prime 30 Year Fixed (Bank Statement) | XXX - 18 Prime 30 Year Fixed (Bank Statement) | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XXXX | 6.140% | Manual Underwriting | Manual Underwriting | No | 6.772% |  | 6.375% | 6.375% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $4164.75 | $XXXXXX | N/A |  |  | $0.00 |  |  | 49.01% | 48.97% | 48.97% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2026"] - 2025, 2026 | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 794 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 22814.84 | 5.5 | 22814.84 | 5.5 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2132464 | XXX -18 Investor DSCR 30 Year Fixed | XXX -18 Investor DSCR 30 Year Fixed | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $1288.24 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.009 | 1.009 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 720 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 108574.80 | 84.3 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2132466 | XXX - 18 Foreign National 30 Year Fixed | XXX - 18 Foreign National 30 Year Fixed | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $3961.64 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.01 | 1 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Foreign National | Foreign National | N/A | Passport |  | XX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 339430.55 | 85.7 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2132469 | XXX 18 Investor DSCR 30 Year Fixed | XXX 18 Investor DSCR 30 Year Fixed | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $4312.81 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.391 | 1.368 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 709 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 77248.67 | 17.9 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX |  | 2132468 | XXX 18 Investor DSCR 30 Year Fixed | XXX 18 Investor DSCR 30 Yr Fixed | XXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | 10/01/2025 | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.000% | 7.000% | XXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $13090.10 |  | Yes | XXXXX | XX | $XXXXX | XX/XX/XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.031 | 1.031 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 694 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 575314.43 | 41.8 | 575314.43 | 41.8 | No | 70 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |

---

## Exhibit 99.10

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.10 - Schedule 5**

---

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** | **Primary Appraisal Occupancy** |
| XXX |  | 2120682 | XXXXXXX | XXX 18 Prime Minus Investment 30 Year Fixed | Full Doc | Present | No |  |  | N/A |  |  |  |  |  |  | No |  |  | 0 | 5196.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 7.55 | No |  |  | Vested Individual | XXXXXX | XXXXXX | Vested Individual | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| XXX |  | 2126832 | XXXXXXX | XXX - 18 Prime Minus Investment 30 Year Fixed (Grade A) | 12 Month Bank Statement | Present | No |  |  | N/A |  |  |  |  |  |  | No |  |  | 0 | 5822.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  |  |  |  |  |  |  |  |  | No | 4.8 | 2 | 1 | N/A | 85.44 | No |  |  | Vested Individual | XXXXXX | XXXXXX | Vested Individual | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| XXX |  | 2126831 | XXXXXXX | XXX - 18 Prime Minus Investment 30 Year Fixed (Grade A) | 12 Month Bank Statement | Present | Yes |  |  | Lease |  |  |  |  |  |  | No |  |  | 0 | 2329.49 | $XXXXX | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  |  |  |  |  |  |  |  |  | No | 22.2 | 2 | 1 | N/A | 74.28 | No |  |  | Vested Individual | XXXXXX | XXXXXX | Vested Individual | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| XXX |  | 2123074 | XXXXXXX | XXX - 18 Prime Minus Investment 30 Year Fixed I/O (Grade A) | Full Doc | Present | No |  |  | N/A |  |  |  |  |  |  | No |  |  | 0 | 7040.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 81.1 | No |  |  | Vested Individual | XXXXXX | XXXXXX | Vested Individual | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| XXX |  | 2126833 | XXXXXXX | XXX - 18 Prime Minus Investment 30 Year Fixed (Grade B) | 12 Month Bank Statement | Present | No |  |  | N/A |  |  |  |  |  |  | No |  |  | 0 | 8571.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 12.02 | No |  |  | Vested Individual | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| XXX |  | 2128044 | XXXXXXX | XXX -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Appraisal - 1007 | No | 86.04 | 1.162 | 1.162 | 1398.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 25.82 | No |  |  | Vested Individual | XXXXXX | XXXXXX | Vested Individual | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| XXX |  | 2126837 | XXXXXXX | XXX -18 Investor DSCR 30 Year Fixed I/O | Debt Service Coverage Ratio | Present | Yes | $XXXXX | $XXXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Actual In Place Rent | No | 131.72 | 0.75 | 0.759 | 3028.35 | $XXXXX | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  | No | No | 21 | 1 | 1 | N/A | 66.42 | No |  |  | Vested Individual | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| XXX |  | 2126838 | XXXXXXX | XXX - 18 Prime Minus Investment 30 Year Fixed (Grade A) | 12 Month Bank Statement | Present | No |  |  | N/A |  |  |  |  |  |  | No |  |  | 0 | 1623.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 3.99 | No |  |  | Vested Individual | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| XXX |  | 2126839 | XXXXXXX | XXX - 18 Prime Minus Investment 30 Year Fixed (Grade A) | 12 Month Bank Statement | Present | No |  |  | N/A |  |  |  |  |  |  | No |  |  | 0 | 2396.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.9 | 1 | 1 | N/A | 58.77 | No |  |  | Vested Individual | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| XXX |  | 2128036 | XXXXXXX | XXX -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | Yes | $XXXXX | $XXXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Actual In Place Rent | No | 82.88 | 1.207 | 1.207 | 1201.79 | $XXXXX | XX/XX/XXXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  | No | No | 3.5 | 9 | 1 | N/A | 20.94 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXXX | Tenant |
| XXX |  | 2128038 | XXXXXXX | XXX-18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | Yes | $XXXXX | $XXXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Actual In Place Rent | No | 80.01 | 1.249 | 1.25 | 1200.16 | $XXXXX | XX/XX/XXXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  | No | No | 3.5 | 9 | 1 | N/A | 8.92 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXXX | Tenant |
| XXX |  | 2128037 | XXXXXXX | XXX -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | Yes | $XXXXX | $XXXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Actual In Place Rent | No | 84.49 | 1.32 | 1.184 | 1098.42 | $XXXXX | XX/XX/XXXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  | No | No | 3.5 | 9 | 1 | N/A | 15.21 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXXX | Tenant |
| XXX |  | 2128039 | XXXXXXX | XXX -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | Yes | $XXXXX | $XXXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Actual In Place Rent | No | 70.34 | 1.42 | 1.422 | 1090.23 | $XXXXX | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  | No | No | 3.5 | 9 | 1 | N/A | 15.77 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXXX | Tenant |
| XXX |  | 2128048 | XXXXXXX | XXX -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | Yes | $XXXXX | $XXXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Actual In Place Rent | No | 82.9 | 1.28 | 1.206 | 1160.59 | $XXXXX | XX/XX/XXXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  | No | No | 3.5 | 9 | 1 | N/A | 13.6 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXXX | Tenant |
| XXX |  | 2128040 | XXXXXXX | XXX -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | Yes | $XXXXX | $XXXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Actual In Place Rent | No | 79.41 | 1.356 | 1.259 | 1032.32 | $XXXXX | XX/XX/XXXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  | No | No | 3.5 | 9 | 1 | N/A | 11.88 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXXX | Tenant |
| XXX |  | 2128035 | XXXXXXX | XXX - 18 Foreign National 30 Year Fixed | Debt Service Coverage Ratio | Present | Yes | $XXXXX | $XXXXX | Appraisal - 1025 |  |  |  |  | $XXXXX | Appraisal - 1025 | No | 87.89 | 1.138 | 1.138 | 3691.26 | $XXXXX | XX/XX/XXXX | 12 | $XXXXX | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  | No | No | 1.8 | 1 | 1 | N/A | 86.86 | Yes | XXXXXX | Corporation | Individual Guarantor | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXXX | Tenant |
| XXX |  | 2128031 | XXXXXXX | XXX -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | Yes | $XXXXX | $XXXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Actual In Place Rent | No | 132.95 | 0.755 | 0.752 | 1914.49 | $XXXXX | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  | No | No | 14 | 9 | 1 | N/A | 83.2 | No |  |  | Vested Individual | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| XXX |  | 2128052 | XXXXXXX | XXX 18 Investor DSCR 30 Yr Fixed | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Short Term Rental | $XXXXX | Other | 12 | 90.00% | $XXXXX | Other | Yes | 88.23 | 1.133 | 1.133 | 3864.6 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 15.12 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXX | Individual Guarantor | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXXXXX | Tenant |
| XXX |  | 2128034 | XXXXXXX | XXX -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | Yes | $XXXXX | $XXXXX | Appraisal - 1025 |  |  |  |  | $XXXXX | Appraisal - 1025 | No | 66.89 | 1.495 | 1.495 | 3210.54 | $XXXXX | XX/XX/XXXX | 12 | $XXXXX | XX/XX/XXXX | 12 | $XXXXX | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  | No | No | 2.1 | 9 | 1 | N/A | 25.07 | No |  |  | Vested Individual | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| XXX |  | 2128041 | XXXXXXX | XXX -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Appraisal - 1007 | No | 59.73 | 1.674 | 1.674 | 851.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 48.88 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXXX | Vacant |
| XXX |  | 2128051 | XXXXXXX | XXX -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | Yes | $XXXXX | $XXXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Appraisal - 1007 | No | 90.76 | 1.102 | 1.102 | 1996.76 | $XXXXX | XX/XX/XXXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  | No | No | 2.4 | 1 | 1 | N/A | 112.1 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXXX | Tenant |
| XXX |  | 2128033 | XXXXXXX | XXX -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | Yes | $XXXXX | $XXXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Actual In Place Rent | No | 93.63 | 1.068 | 1.068 | 1797.71 | $XXXXX | XX/XX/XXXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  | No | No | 1.9 | 9 | 1 | N/A | 44.77 | No |  |  | Vested Individual | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| XXX |  | 2128032 | XXXXXXX | XXX -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | Yes | $XXXXX | $XXXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Appraisal - 1007 | No | 74.97 | 1.333 | 1.334 | 1724.29 | $XXXXX | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  | No | No | 12.8 | 9 | 1 | N/A | 27.45 | No |  |  | Vested Individual | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| XXX |  | 2128050 | XXXXXXX | XXX -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | Yes | $XXXXX | $XXXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Appraisal - 1007 | No | 85.33 | 1.172 | 1.172 | 2901.34 | $XXXXX | XX/XX/XXXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  | No | No | 6 | 1 | 1 | N/A | 87.79 | No |  |  | Vested Individual | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| XXX |  | 2132463 | XXXXXXX | XXX -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | Yes | $XXXXX | $XXXXX | Appraisal - Narrative |  |  |  |  | $XXXXX | Appraisal - Narrative | No | 77.61 | 1.288 | 1.289 | 11609.84 | $XXXXX | XX/XX/XXXX | 12 | $XXXXX | XX/XX/XXXX | 12 | $XXXXX | XX/XX/XXXX | 12 | $XXXXX | XX/XX/XXXX | 12 | $XXXXX | XX/XX/XXXX | 12 | $XXXXX | XX/XX/XXXX | 12 |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  | No | No | 24.5 | 1 | 1 | N/A | 173.75 | No |  |  | Vested Individual | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| XXX |  | 2132462 | XXXXXXX | XXX -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | Yes | $XXXXX | $XXXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Appraisal - 1007 | No | 94.85 | 1.054 | 1.054 | 1446.39 | $XXXXX | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  | No | No | 4.7 | 2 | 1 | N/A | 69.1 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXXX | Tenant |
| XXX |  | 2132464 | XXXXXXX | XXX -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | Yes | $XXXXX | $XXXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Actual In Place Rent | No | 99.1 | 1.009 | 1.009 | 1288.24 | $XXXXX | XX/XX/XXXX | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  | No | No | 8.4 | 1 | 1 | N/A | 84.28 | No |  |  | Vested Individual | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| XXX |  | 2132466 | XXXXXXX | XXX - 18 Foreign National 30 Year Fixed | Debt Service Coverage Ratio | Present | Yes | $XXXXX | $XXXXX | Appraisal - 1025 |  |  |  |  | $XXXXX | Appraisal - 1025 | No | 99.04 | 1 | 1.01 | 3961.64 | $XXXXX | XX/XX/XXXX | 12 | $XXXXX | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  | No | No | 0.7 | 2 | 1 | N/A | 85.68 | Yes | XXXXXX | Corporation | Individual Guarantor | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXXX | Tenant |
| XXX |  | 2132469 | XXXXXXX | XXX 18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | Yes | $XXXXX | $XXXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Appraisal - 1007 | No | 71.88 | 1.368 | 1.391 | 4312.81 | $XXXXX | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  | No | No | 2.5 | 1 | 1 | N/A | 17.91 | No |  |  | Vested Individual | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| XXX |  | 2132468 | XXXXXXX | XXX 18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Appraisal - 1007 | No | 96.96 | 1.031 | 1.031 | 13090.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 41.82 | No |  |  | Vested Individual | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |

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